Illegal Loan Application to Get Money Fast: Solution or Threat?

Aplikasi Pinjol Ilegal Cepat Cair: Solusi atau Ancaman?

Artikel diperbarui pada 12 August 2023.

Interested in borrowing money quickly and easily? You may have heard about illegal online loan applications (pinjol) that offer such services. In recent years, illegal quick-liquid pinjol apps have become popular in Indonesia. While they may seem attractive and practical, using these apps is not always safe and can lead to serious financial problems.

Illegal pinjol apps are online platforms that provide money loans without involving official financial institutions or banks. The loan application process is quick and easy, without the strict requirements that traditional financial institutions usually apply. In some cases, loans can be approved in just a few hours or even minutes.

However, what exactly makes illegal pinjol apps so attractive? Are there any risks associated with using them? Let’s discuss this further.

Safety and Risks of Fast Liquid Illegal Lending Application

Basically, the use of fast-liquid illegal pinjol applications is not supervised by official financial institutions such as Bank Indonesia or the Financial Services Authority. This means that there is no guarantee of safety and adequate consumer protection. This application operates outside the applicable regulations, so there is an opportunity for practices that harm users.

Before deciding to use an illegal pinjol application, it is important to understand the risks involved, including:

1. High Interest and Fees

One of the main risks of using illegal pinjol apps is the high interest rates and fees charged. Some apps can apply very high interest rates and fees, so the amount to be paid by the borrower can be much greater than the initial loan amount.

For example, there is a fast-liquid illegal pinjol application that applies an interest rate of 20% per month. If you borrow Rp1,000,000, then within a month you will have to pay Rp1,200,000, with interest of Rp200,000.

In the short term, the amount of interest may seem reasonable, but in the long term, this high interest rate can cause a heavy financial burden for the borrower. Before taking out a loan, carefully check the interest rates and fees imposed by the pinjol app.

2. Aggressive Collection

Some users of illegal fast-liquid pinjol applications report aggressive collection experiences from the application. If you are unable to pay the loan on time, the app may send threatening messages or even aggressively collect over the phone.

This kind of aggressive collection can cause stress and psychological pressure for borrowers. If you have financial problems, it’s best to talk to the app immediately and find the right solution.

3. Loss of Personal Data

Not all illegal lending apps have adequate data security and protection systems. There is a risk that your personal data included in the loan application process, such as KTP, NPWP, or phone records, can be misused or even sold to irresponsible third parties.

It is important to always check the privacy policy and security measures implemented by the app before applying for a loan. Make sure that the app has a clear privacy policy and follows appropriate security standards.

4. Negative Impact on Credit Score

If you take a loan through an illegal fast-liquidating pinjol app and fail to repay it on time, this can have a negative impact on your credit score. A poor credit score can be an obstacle in applying for loans in the future, either through pinjol apps or formal financial institutions.

Before taking out a loan, make sure you have a clear and realistic repayment plan. Don’t take out a loan if you’re not sure you can repay it on time.

5. Prone to Fraud

Some illegal quick-liquid pinjol applications turn out to be scams designed to trap borrowers. These apps usually offer loans with very low or even no interest rates, but then charge hidden fees that are not clearly disclosed.

Before taking out a loan, do thorough research on the app’s reputation and look for reviews from other users. If the offer is too good to be true, then there is most likely something wrong.

6. Not Supervised by Official Authorities

Illegal pinjol applications are not supervised by official financial authorities such as Bank Indonesia or the Financial Services Authority. This means that there is no guarantee of safety and adequate consumer protection. In the event of a dispute or problem, you have nowhere to file a complaint or get appropriate assistance.

As a wise consumer, you should choose a pinjol app that is registered and supervised by an official financial authority. These apps have met the set requirements and regulations, making them safer to use.

7. Trapped in a Cycle of Debt

Sometimes, users of fast-liquid illegal pinjol applications get stuck in a debt cycle that is difficult to get out of. They keep borrowing from one app to another to repay previous loans, without ever actually being able to pay off their debt.

If you feel trapped in a debt cycle, it is important to find the right solution immediately. Talk to a financial expert or financial consultant to get advice that suits your situation.

Solution for Fast Liquid Illegal Loan Application

If you want to borrow money quickly and safely, here are some solutions that you can consider:

1. Use Pinjol Applications Registered with OJK

Choose a pinjol application that has been registered with OJK (Financial Services Authority) and has an official license to operate. These applications have met the safety and consumer protection standards set by the official financial authority.

Before using a pinjol application, be sure to check whether the application is registered with OJK. You can see a list of registered pinjol apps on OJK’s official website.

2. Review Loan Terms and Conditions

Before applying for a loan, research the terms and conditions set by the pinjol application. Make sure you understand all costs associated with the loan, including interest rates, administration fees, and late fees.

Do not hesitate to ask questions to the application if there are things you do not understand. It is important to have a clear understanding of what you are agreeing to before taking out a loan.

3. Compare Interest Rates and Fees

There are many pinjol applications available in the market with different interest rates and fees. Before deciding to take out a loan, compare the interest rates and fees applied by various loan applications.

Also pay attention to whether there are hidden fees that are not clearly informed. Don’t just get hung up on low interest rates, but also make sure to pay attention to other fees that may be added.

4. Read User Reviews

Before deciding to use a particular pinjol application, look for other user reviews. User reviews can give you an idea of previous users’ experiences with the app.

Be wary of reviews that are too positive or too negative. Instead, look for reviews that are balanced and based on real user experiences.

5. Protect Your Personal Data

It is important to always protect your personal data. Before applying for a loan, make sure to check the app’s privacy policy and the security measures implemented.

Do not provide sensitive personal information if you doubt it. If the app requests access to contact data or conversation history on your phone, consider carefully whether the data is relevant to the loan application or not.

6. Use an Expense Tracker App

Using an expense tracker app can help you take better control of your finances. By clearly knowing how much money you spend each month, you can manage your expenses more effectively and reduce the need to borrow money.

Spending tracker apps like “Mint” or “Wallet” can help you keep track of your finances and give you advice that suits your financial situation.

7. Consult a Financial Expert

If you still have doubts or confusion about using illegal pinjol applications, it is best to consult a financial expert or financial consultant who can provide the right advice for your situation.

A financial expert can help you understand the long-term consequences of using illegal pinjol apps, as well as help you find a safer and more appropriate solution to meet your financial needs.

Alternatives to Illegal Pinjol Application Fast Liquid

If you are looking for other alternatives to meet your financial needs, here are some options that can be considered:

1. Loans from Family or Close Friends

If possible, ask your family or close friends to help you meet your financial needs. Such deals are often more flexible and do not involve interest or additional fees.

It is important to maintain transparency and clear communication in this regard. Don’t neglect the obligation to repay the loan and commit to fulfill your promise.

2. Loans from Authorized Financial Institutions

If you need a large loan, consider applying for a loan from an authorized financial institution such as a bank or cooperative. These institutions are supervised by official financial authorities and provide better protection and security for borrowers.

Make sure to understand the terms and conditions set by the financial institution before applying for a loan. Do not hesitate to compare the interest rates and fees charged by different financial institutions before making a decision.

3. Using Credit Card

If you have an adequate credit card, use it as a tool to fulfill your financial needs. Credit cards can provide payment flexibility and also provide better consumer protection in case of problems.


4. Consistent and Disciplined Saving

Start saving consistently and with discipline to build your emergency fund. By having enough savings, you can avoid the urgent need to borrow money from illegal pinjol applications.

Make a realistic monthly financial budget and stick to the plan. Set a savings target and allocate a portion of your income each month to save. By saving consistently and with discipline, you can create financial protection for yourself.

5. Join a Government Loan Program

The government often offers loan programs with low or even no interest rates for certain individuals or groups in need. Find out if you are eligible for this kind of program.

Government loan programs are usually supervised by official authorities and provide better consumer protection compared to illegal pinjol applications. Research the terms and conditions set by the government loan program, and make sure to read carefully all the information provided before applying for a loan.

6. Join a Savings and Loan Group

Joining a savings and loan group can give you access to loan funds with lower interest rates and more flexible terms. Savings and loan groups usually consist of members who support each other and lend money to each other.

You can find information about savings and loan groups in your local community or through organizations that focus on community economic empowerment. Joining a savings and loan group can also provide an opportunity to learn more about financial management and business development.

7. Improve Financial Capability

Improving your financial capability through financial education and wise financial management can help you avoid dependence on loans through illegal pinjol apps.

Find out about good budgeting, investing, and debt management. Many financial education resources are available online or through seminars and workshops in your local community.

Illegal loan application – Q&A

1. Is the fast-liquid illegal pinjol application legal?

No, the fast-liquid illegal pinjol application does not have an official license from the Financial Services Authority and is considered illegal.

2. How do I report illegal pinjol apps?
You can report illegal pinjol applications that you encounter to authorities such as the Financial Services Authority or local police.

3. Is the illegal pinjol application safe to use?

No, the use of illegal pinjol apps is high risk and can cause serious financial problems. It is best to avoid using this application.

4. How to choose a safe pinjol application?

Choose a pinjol application that has been registered with OJK and has a good reputation. Check user reviews and review loan terms and conditions carefully.

5. Are there alternatives to illegal pinjol apps for quick liquidity?
Sure, you can try other alternatives such as borrowing from family or close friends, using credit cards, or joining government loan programs.

6. Can illegal pinjol apps provide unsecured loans?
Yes, illegal pinjol apps do not require collateral such as house or vehicle certificates.

7. How to avoid the risk of illegal pinjol apps?
Choose a pinjol application that is legal and registered with OJK, review the terms and conditions carefully, and always pay the loan on time to avoid these risks.


In today’s fast-paced and fast-changing world, illegal quick-liquid pinjol applications may be very attractive and practical. However, it is important that you understand the risks associated with their use and take appropriate precautionary measures.

Choose a solution that is safe and suitable for your financial needs. From good personal finance management to exploring alternative sources of financing, there are many ways to fulfill your financial needs without being trapped by potentially dangerous illegal loans.

Remember, a loan is a financial responsibility that should be considered wisely. Don’t rush into decisions and always consider the long-term consequences of any loan you take.

This article is for general information purposes only and should not be taken as financial or legal advice. For more specific financial or legal advice, it is best to consult relevant professionals.

Illegal Lending Application for Fast Cash: Solution or Threat?

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