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Pinjam Modal

Get approved in under 2 hours with no collateral. Secure, OJK-regulated funding designed for social media entrepreneurs and modern professionals to bridge the gap and fuel growth.

Key Figures

Downloads

694K+

User Rating

3.6/5

Total Ratings

3K+

Publisher

FINANSIAL INTEGRASI TEKNOLOGI, PT

Fuel Your Ambition with Smarter Capital

Whether you are scaling an online store or bridging a gap between paychecks, Pinjam Modal provides fast, secure, and collateral-free funding designed for the modern hustle.

2-Hour Fast Decisions

Skip the long queues and red tape. Our integrated system delivers loan decisions in under 2 hours so you can focus on your goals.

Capital for Online Sellers

Turn your Instagram, Facebook, or e-commerce shop history into a growth tool. Access up to Rp 10 million without any physical collateral.

FAQ

Frequently Asked Questions

Everything you need to know about Pinjam Modal

Is Pinjam Modal a licensed and regulated loan application?

Yes, Pinjam Modal is officially licensed and supervised by the Financial Services Authority (OJK) in Indonesia, under permit number KEP - 20/D.05/2020.

What types of loans are available through the Pinjam Modal app?

Pinjam Modal offers unsecured loans, including Business Capital Loans for entrepreneurs and Employee Loans specifically for staff of partnered companies.

What are the loan limits for Pinjam Modal's Business Capital Loan?

The Business Capital Loan in Pinjam Modal provides loan limits ranging from 2 million to 10 million Indonesian Rupiah.

What is the maximum interest rate for Pinjam Modal's Business Capital Loan?

Pinjam Modal's Business Capital Loan has a monthly interest rate of 2%, which translates to a maximum Annual Percentage Rate (APR) of 24%.

What are the available loan tenors for a Pinjam Modal Business Capital Loan?

The tenor options for Pinjam Modal's Business Capital Loan are 3, 6, or 12 months, with a minimum loan period of 3 months.

What are the age requirements for a Pinjam Modal Business Capital Loan?

Applicants for a Pinjam Modal Business Capital Loan must be between 18 and 60 years old, inclusive.

Who is eligible for an Employee Loan from Pinjam Modal?

Employee Loans through Pinjam Modal are exclusively for employees of partnered companies who are Indonesian citizens, have a fixed income, are aged 21-55, and possess a personal bank account.

What is the maximum loan limit for Pinjam Modal's Employee Loan?

The Employee Loan offered by Pinjam Modal provides limits ranging from 1 million to 10 million Indonesian Rupiah.

How fast is the loan approval process with Pinjam Modal?

Pinjam Modal aims to provide loan decisions in less than 2 hours. Once approved, the funds are transferred directly to the applicant's payroll account.

Does Pinjam Modal ensure user data privacy and security?

Yes, Pinjam Modal ensures data confidentiality and does not access sensitive personal information such as contact numbers, SMS, photo albums, or other private data.

How do I apply for a loan using the Pinjam Modal app?

The application process for Pinjam Modal involves registering an account, selecting your desired loan value and tenor, and then completing your personal profile.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Pinjam Modal - Pinjam Modal app promotional screen offering up to 10 million in business capital — Pinjam Modal app promotional screen offering up to 10 million in business capital

Pinjam Modal - Pinjam Modal mobile app screen showing loan categories for inventory partners and employees — Pinjam Modal mobile app screen showing loan categories for inventory partners and employees

Pinjam Modal - Pinjam Modal app interface showing credit limit and flexible loan tenor details — Pinjam Modal app interface showing credit limit and flexible loan tenor details

Pinjam Modal - Pinjam Modal mobile app interface showing a successful loan application notification with a green checkmark icon — Pinjam Modal mobile app interface showing a successful loan application notification with a green checkmark icon

Pinjam Modal - Pinjam Modal mobile app interface displaying various online loan products for entrepreneurs and employees — Pinjam Modal mobile app interface displaying various online loan products for entrepreneurs and employees

Pinjam Modal - A happy woman jumping while holding a phone showing the Pinjam Modal app interface with business loan options — A happy woman jumping while holding a phone showing the Pinjam Modal app interface with business loan options

Description

Pinjam Modal telah berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK). Pinjam Modal adalah aplikasi Pinjaman Uang tanpa jaminan, yang membantu menghubungkan borrower atau orang yang membutuhkan pinjaman dana tanpa jaminan, kepada lender atau orang yang memberikan pinjaman dengan proses yang mudah dan cepat. Pinjam Modal atau PT Finansial Integrasi Teknologi merupakan anak perusahaan dari PT BFI Finance Indonesia, Tbk., salah satu perusahaan multifinance terbesar dan tertua di Indonesia. Pinjam Modal telah berizin dan diawasi oleh Otoritas Jasa Keuangan (OJK) dengan surat tanda berizin: KEP - 20/D.05/2020, pada tanggal 11 Juni 2020. Pinjam Modal juga memiliki sertifikasi ISO 27001 dalam bidang layanan agregator keuangan. Pinjaman Modal Usaha Tanpa Jaminan Modal Usaha Pinjaman uang cepat cair untuk para pelaku usaha yang membutuhkan tambahan modal usaha dan untuk membangun dan mengembangkan usaha. Deskripsi Produk: - Tenor : 3, 6 dan 12 bulan - Limit Pinjaman: 2 juta - 10 juta - Minimal Periode: 3 Bulan - Bunga 2%/Bulan atau maksimal APR 24% Persyaratan Pinjaman Modal Usaha: - Memiliki usaha di platform Instagram, Facebook, eCommerce, Grabfood atau Gofood - Usia minimum 18 tahun, Maksimum 60 tahun. - Persyaratan dokumen : Foto KTP asli, Selfie dengan KTP, Bukti transaksi. Simulasi Pinjaman Modal usaha Tanpa Agunan. Jika kamu meminjam Rp 10.000.000 dengan tenor 3 bulan dan bunga 2% per bulan, cicilan per bulannya adalah angsuran ke-1 Rp 3.763.000, angsuran ke-2 Rp Rp 3.763.000, dan angsuran ke-3 Rp Rp 3.763.000, Dengan total secara keseluruhan Rp 11.289.000 Pinjaman Karyawan Pinjaman KHUSUS untuk karyawan perusahaan yang sudah bekerja sama dengan Pinjam Modal Deskripsi Produk: - Tenor : 91 Hari Hingga 180 Hari - Limit Pinjaman: 1 - 10 juta - Minimal Periode: 91 Hari - Bunga 1.5%/Bulan atau maksimal APR 18% Syarat Minimum Pinjaman Uang Cepat Cair: • Warga Negara Indonesia • Memiliki penghasilan tetap • Usia 21 - 55 thn • Memiliki rekening tabungan atas nama pribadi sebagai sarana transfer Bagaimana cara mengajukan pinjaman? 1. Daftar Akun Pinjam Modal Daftar atau Masuk dengan mudah menggunakan Email Anda. 2. Tentukan Nilai dan Tenor Pinjaman Pilih nilai pinjaman uang anda mulai dari 1 Juta Rupiah Hingga 10 Juta Rupiah, tenor minimum 91 hari hingga 180 hari. 3. Isi Data Diri Lengkapi profil lengkap untuk memproses pinjaman uang anda. Pinjam Modal akan menjaga dan merahasiakan data diri Anda. 4. Keputusan Pinjaman Melalui sistem yang terintegrasi, keputusan pinjaman dalam waktu kurang dari 2 jam. Setelah disetujui, dana akan ditransfer ke rekening payroll kamu 5. Bayar Tepat Waktu Pembayaran angsuran melalui sistem potong gaji, hal ini memudahkan kamu mengatur keuanganmu. Pinjam Modal menjaga kerahasiaan data Anda, kami tidak akan melihat nomor kontak, SMS, album foto dan informasi privasi anda lainnya. Anda dapat menggunakan aplikasi Pinjam Modal dengan tenang. Contact our Customer Service at: * Email: customer@pinjammodal.id * Facebook: Pinjammodalindonesia * Instagram: Pinjammodalid * Jam Operasional Senin-Jumat 09:00-17:00 Official Address : PT Finansial Integrasi Teknologi Foresta Business Loft 5 Nomor 11, Provinsi Banten, Kabupaten Tangerang, Kecamatan Pagedangan, Kelurahan Lengkong Kulon.