Online Borrowing and Lending Products

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Online Borrowing and Lending Products

Do you have an urgent need? Or Capital for your business. UangMe is here to help!

UangMe provides a financial solution for your business and needs as a borrower by acting as an intermediary to connect you with the lender. Your loan could be withdrawn into your bank account with a quick and easy process.

UangMe is also equipped with a lending platform that could help you grow your assets as a Lender. You can create an economic impact as a lender while also gaining return on your funding. You can start lending on UangMe starting with 1 Million IDR.

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Loan Product

▪ Tenure: 3–6 Months

▪ Plafond: Rp 400.000 – Rp 30.000.000

▪ Fee/Charges:

a. Max APR: 109.5% pa

b. Daily Interest: 0.03%/day

c. Daily Service Fee: 0.266%/day

d. Tax (PPn): 11% from Service Fee

▪ Simulation:

If you borrow Rp3,000,000 for 90 days:

-Total Interest: Rp89,910

-Total Service Charge: Rp719,820

-Tax: Rp79,180

-Total Loan Repayment: Rp3,888,910

-Total Monthly Installment: Rp1.296,303

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Lending Product

▪ Period: 61-180 day

▪ Amount: Rp. 1 Million - Rp. 2 Billion

▪ Interest Rate (APR): Up to 16.5% p.a

▪ Tax (PPh 23): 15% with tax ID or 30% without tax ID

▪ Simulation:

If A lends a fund for 5,000,000 with 4 months tenure and interest rate of 15% per annual (Tax deduction 15%). Assuming the borrower pays their loan on time, A will get an interest of Rp213.082 (after tax deduction), making a total return and economic impact that A will receive to be Rp5.213.082

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Repayment Process

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Borrower could repay their loan with UangMe using ATM transfer, Mobile Banking, Internet Banking, Alfamart, and Alfamidi using Virtual Account provided on the Apps.

UangMe banking partners: BCA, Mandiri, BNI, BRI, CIMB, Danamon, and Permata

After loan repayment has been confirmed, borrower will get a notification from UangMe app

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Benefits:

✅Legal, authorized and licensed by OJK

✅Online from your Smart-Phone, 24 hours

✅No Loan Guarantee needed

✅Fast Process

✅Direct disbursement to your bank account

✅Long tenure and installment available

✅High plafond

✅Low Interest rate and service charges

✅Data and privacy safety is guaranteed, Uang Me has ISO 27001 certification

USER CRITERIA:

▪ Indonesia Citizen

▪ 21-55 years old (Borrower) or above 18 years old (Lender)

▪ KTP

▪ Bank Account

▪ Has source of income

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ABOUT US:

UangMe is lending fintech platform that has been licensed and authorized by OJK (Indonesia Financial Services Authority) with licensed no. KEP-4/D.05/2021. UangMe is also active member of AFPI and AFTECH.

Incorporating AI technology UangMe assess borrower eligibility faster. Registration process could be completed within 5 minutes and loan approval process could take as much as 1 minute.

Ensure to update UangMe apps to the latest version to get updated information about UangMe products. UangMe also appeal that no one should use or take a loan from illegal loan apps.

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Customer Service:

Email: [email protected]

Phone: 021-50820086 / 021-50975085

Website: www.uangme.id

Facebook: @uangmeindo

Twitter: @uangme

Instagram: @uangme_indonesia

Our Office:

AIA Central Lt. 32

Jl. Jend. Sudirman No.Kav 48A, RT.5/RW.4, Karet Semanggi, Setia Budi, Jakarta Selatan 12930

Customer Care Office (Visit):

Gedung Plaza Dubai No. 7 & 8

Jl. Tole Iskandar RT 04 / RW 04

Depok, Jawa Barat 16412

Introduction

UangMe Pinjam Dana Berizin OJK is a reputable Indonesian fintech company that provides instant online loans to individuals in need. Regulated by the Otoritas Jasa Keuangan (OJK), Indonesia's Financial Services Authority, UangMe offers a secure and convenient platform for borrowers to access financial assistance.

Eligibility Criteria

To qualify for a loan from UangMe, applicants must meet the following criteria:

* Indonesian citizen aged 21 to 60

* Possess a valid Indonesian identity card (KTP)

* Have a stable source of income

* Good credit history

Loan Features

UangMe offers a range of loan products tailored to different borrower needs:

* Loan Amount: Loans range from Rp 500,000 to Rp 8,000,000

* Loan Term: Flexible loan terms from 3 to 12 months

* Interest Rates: Competitive interest rates based on individual creditworthiness

* No Collateral: Loans are unsecured, requiring no collateral or guarantors

Application Process

The loan application process with UangMe is straightforward and can be completed entirely online:

1. Download the App: Download the UangMe app from the Google Play Store.

2. Register: Create an account by providing personal information and uploading required documents.

3. Loan Request: Submit a loan request specifying the loan amount and term.

4. Credit Assessment: UangMe assesses the applicant's creditworthiness based on provided information.

5. Approval and Disbursement: If approved, the loan amount is disbursed directly to the applicant's bank account within 24 hours.

Repayment Options

Borrowers can repay their loans through various convenient channels:

* Virtual Accounts: Make payments through UangMe's virtual account at supported banks.

* Bank Transfer: Transfer the payment amount to UangMe's designated bank account.

* Minimarkets: Pay at designated minimarkets that accept UangMe payments.

Benefits of Using UangMe

* Instant Loan Approval: Loans are approved and disbursed within 24 hours.

* Competitive Interest Rates: Interest rates are lower than many traditional lending institutions.

* Flexible Loan Terms: Borrowers can choose loan terms that suit their financial situation.

* Unsecured Loans: No collateral or guarantors are required for loan approval.

* Reliable and Secure Platform: UangMe is a licensed and regulated fintech company, ensuring data security and compliance with industry standards.

Conclusion

UangMe Pinjam Dana Berizin OJK provides a convenient and accessible solution for individuals seeking instant financial assistance. With its flexible loan options, competitive interest rates, and hassle-free application process, UangMe empowers borrowers to meet their financial needs while ensuring transparency and security.