Amidst increasingly pressing needs and uncertain economic conditions, finding fast and easy financial solutions has become a priority for many. Now, with the development of financial technology, online loans that are disbursed immediately with just an ID card are a quick solution without complicated processes. No collateral is needed, no pay slips are needed—just a valid ID card is enough to apply for a loan!
In this article, we will thoroughly discuss how to apply for an online loan using only an ID card. It’s simple, safe, and can be transferred directly to your account!
Why Choose an Online Loan with an ID Card?
Before discussing the application process, let’s first understand why this type of loan is so popular:
✅ Practical and Fast
No need to come to the office; you can apply from home through the app.
✅ No Collateral
No collateral such as a vehicle registration certificate (BPKB) or land certificate is required. Just have your ID card ready.
✅ Instant Disbursement
The disbursement process can take as little as 5–15 minutes after your application is approved.
✅ Available 24 Hours
You can access online loan applications anytime, even in the middle of the night during emergencies.
Easy Steps to Apply for an Online Loan: Just Your ID Card (KTP)
Here are the step-by-step instructions for applying for an online loan using only your ID card:
1. Choose an Official Loan Application Registered with the OJK
The first step is to choose an online loan application that is registered and supervised by the OJK (Financial Services Authority). Some examples of commonly used applications include:
Kredit Pintar
AdaKami
EasyCash
Indodana
RupiahCepat
Make sure you check the legality of the application before applying to avoid illegal online loans.
2. Download and Install the Application
After selecting a trusted application, the next step is to download it from the Play Store or App Store. Ensure you have a stable internet connection for a smooth installation process.
3. Register and Create an Account
Once the application is installed, open it and create a new account. Generally, you’ll only be asked to fill in the following information:
Full name as per your ID card
Active mobile phone number
Active email address (if requested)
Domicile address
Occupation and monthly income
4. Upload ID Card Photo and Selfie
This is the most important part of the application: upload a photo of your ID card and a selfie holding your ID card. Make sure the photo is clear and not blurry. The ID card information must match the information you entered previously.
📌 Tip: Take the photo in a well-lit location, avoiding excessive light or shadows on your face.
5. Fill in Additional Information (Optional)
Some applications may ask you to fill in additional information such as:
Emergency contacts (usually two people)
More detailed employment information
GPS location
Don’t worry, this data is used for additional verification and no other physical documents are required.
6. Apply for a Loan According to Your Needs
Next, you can choose the desired loan amount and term. Typically, applications offer:
Loans ranging from IDR 300,000 to IDR 10 million
Terms ranging from 30 days to 12 months
After selecting, click the Apply Now or Submit button.
7. Verification and Approval
After submitting your application, the system will automatically verify your data. Some applications will also contact you via phone or short video call for confirmation.
📌 Note: Make sure your phone is active and able to receive calls during this process.
8. Funds Directly Disbursed to Your Account
If your application is approved, the funds will be transferred directly to your personal account. The disbursement process usually only takes a few minutes.
Congratulations! You can now use your loan funds for urgent needs, business capital, school fees, or other purposes.
Tips to Ensure Your Application is Approved
Here are some tips to ensure your application is not rejected:
✔ Ensure your mobile phone number is active and contactable.
✔ Use a valid and undamaged ID card.
✔ Fill in your details honestly and completely.
✔ Avoid applying to more than one application at a time.
✔ Ensure you have a good credit score (not currently delinquent on previous loans).
Advantages and Disadvantages of Online Loans with ID Cards
Advantages
Convenient process and no collateral. Interest rates can be high if not careful.
Can be applied at any time. Late fees can be high.
Convenient, just by phone. Requires discipline in paying on time.
Suitable for urgent needs. Some applications have short terms.
Quick, Hassle-Free Solution
Loans that are disbursed immediately with just an ID card are a smart solution for those of you who need fast funds without a complicated process. But remember, use them wisely and ensure you can afford the full repayment period to avoid getting stuck in long-term debt.
Always choose official applications, read the terms and conditions carefully, and apply for loans only according to your needs. With the right steps, online loans can be a financial lifesaver in times of need.
Apply for a loan now from home! Just bring your ID card and phone, and enjoy financial convenience at your fingertips.
