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Saat ini, ratusan aplikasi pinjaman online (pinjol) bermunculan di berbagai platform. Namun tidak semua pinjol legal dan terdaftar di OJK. Bagi kamu yang mencari pinjaman online aman, bunga rendah, dan tenor panjang, penting untuk mengetahui mana saja yang benar-benar resmi dan diawasi OJK.Pinjol Legal atau Ilegal? Ini Cara Mengeceknya
Pertanyaan seperti easycash ojk atau tidak, adakami legal atau ilegal, hingga cashcash pro terdaftar di ojk sering kali muncul. Jawabannya bisa kamu temukan langsung melalui situs resmi OJK. Beberapa aplikasi yang statusnya sering dipertanyakan antara lain: Akulaku, Kredit Pintar, Julo, UangMe, Finplus, 360Kredi, Cairin, Kredivo, Uatas, dan Modalku.Daftar Pinjol Legal Terbaru OJK (2025)
Berikut beberapa pinjol legal OJK yang menawarkan bunga ringan, limit tinggi, dan tenor cicilan panjang:- Adakami: legal, terdaftar di OJK, bunga dan tenor kompetitif
- Easycash: terverifikasi OJK, pencairan cepat, limit besar
- Julo: cicilan fleksibel, bunga ringan, resmi OJK
- Kredit Pintar: populer dengan tenor 3–12 bulan
- Kredinesia dan UangMe: legal, diawasi OJK, limit bervariasi
Pinjol dengan Bunga Paling Rendah
Beberapa pinjaman online bunga rendah bahkan menawarkan bunga 0% di awal atau suku bunga tetap yang lebih ringan dibanding pinjol lainnya. Di antaranya:- Kredivo: bunga ringan dan cicilan fleksibel
- Akulaku: bunga kompetitif, tersedia cicilan 3–12 bulan
- Julo dan Maucash: bunga rendah, resmi dan diawasi OJK
Tenor Panjang dan Cicilan Ringan
Jika kamu mencari pinjaman online tenor panjang atau pinjol cicilan 12 bulan, pilihlah pinjol resmi OJK. Beberapa layanan seperti Adakami, Easycash, dan Kredit Pintar menyediakan limit besar dengan bunga tetap dan tenor fleksibel.Hindari Pinjol Ilegal: Risiko Nyata
Pinjol ilegal bisa menyertakan bunga tidak wajar, biaya admin tersembunyi, serta ancaman penyalahgunaan data pribadi. Nama-nama seperti 360Kredi, Super Dana, Cashcash Pro perlu kamu waspadai. Selalu periksa daftar pinjaman online legal OJK sebelum mengajukan pinjaman.Tips Memilih Pinjol Aman dan Terpercaya
- Cek nama aplikasi di situs resmi OJK
- Bandingkan bunga pinjaman antar aplikasi
- Pilih tenor fleksibel dan limit besar
- Hindari aplikasi dengan izin akses data berlebihan
- Jangan tergoda janji pinjaman cepat jika statusnya tidak jelas