BandingPinjam - Pinjaman Legal

INDEPENDENT FINANCIAL NAVIGATOR IN INDONESIA

BandingPinjam is here as your honest financial friend — helping you choose the best loan from a list of legal, fully licensed, and secure fintech companies, with no hidden commissions. OUTSTANDING FEATURES

SELECT LOANS — Compare 14+ Legal Products
Compare Kredit Pintar, JULO, Maucash, Kredivo, GoPinjam, SPayLater, Akulaku, Danacita, Investree, Modalku, KoinWorks, Amar Bank, UangMe, AdaKami
Filter by category: Emergency, Business Capital, Education, Health
Side-by-side comparison: interest, limit, term, admin fee, fines

WISE CALCULATOR — Real-time Simulation
Calculate estimated monthly installments before deciding to borrow
Debt-to-Income (DTI) Ratio Analysis — measure your repayment capacity
Donut chart visualization of principal + interest composition
Interactive slider for amount, term, and estimated interest

ANTI-ILLEGAL LOAN CLINIC
Verify the legal status of online loans based on official data from the Financial Services Authority (OJK).
3-Question Financial Literacy Quiz to Increase Awareness
Guide Article: How to Recognize Illegal Loans & Legal Actions
Contact the Official WhatsApp Directly from the App

MY FINANCIAL REPORT — Creditworthiness Analysis
Input your financial profile: age, income, occupation, credit history
Eligibility scoring system with results: High / Medium / Low
Recommendations for loan products that best match your profile
Education on the importance of maintaining a healthy credit history (SLIK) OJK)

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DISCLAIMER
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Statement of Non-Government Affiliation:
BandingPinjam is an independent comparison platform and is NOT an official government application. It does NOT represent or is affiliated with any government entity (including the Financial Services Authority/OJK). or Bank Indonesia).