UiPinjam vVARY

UiPinjam is an innovative smart credit service platform in Indonesia, operating based on the core philosophy of "strengthening financial inclusion through technology." We provide personalized, efficient, and accessible funding solutions for users. Through in-depth collaboration with various licensed financial institutions in Indonesia, our AI algorithm accurately matches user needs with optimal credit products. With zero fees throughout the process and no hidden clauses, we build a transparent and secure lending ecosystem, ensuring every rupiah benefits your life and growth.

Product Benefits
- Flexible Credit System: Smart credit scoring provides dynamic credit limits ranging from IDR 2 million to IDR 10 million.
- Customizable Terms: Flexible loan terms from 91 to 360 days.
- Transparent Interest Rates and Fees: APRs range from a minimum of 14.6% to a maximum of 29.2%. The platform does not charge intermediary fees or other hidden costs.
- Super-Fast Smart Approval: An AI risk management model completes initial screening in 30 seconds, while manual review takes only 5 minutes. 90% of users receive funds within 1 hour, with services operating as usual on weekends and holidays.
- Privacy Security Shield: Advanced encryption protects data storage, ensuring a complete trace and zero leakage of user information and transactions.

Featured Innovative Features

Smart Payment Reminders: Once notification permission is granted, proactive reminders are sent three days before the payment deadline to prevent the risk of late payments.

Credit Growth Program: On-time payments improve credit scores, unlocking higher loan limits and lower interest rates, creating a virtuous cycle where borrowers increase their creditworthiness.

Loan Scenario Example

Requirements: Borrow IDR 8,000,000 for 180 days

Solution: Choose a 180-day term, a daily interest rate of 0.04%, total interest of IDR 576,000. Repay the full IDR 8,576,000 upon maturity.

Registration Requirements
Age 20–60 years

Have a valid Indonesian ID card

Employee or retiree with a stable income

Good credit history
Registration Process
Download the App: Search "UiPinjam" on Google Play and download;

Simple Registration: Quick registration via phone number, identity verification completed with ID card;

Automatic Financial Product Matching: The system instantly displays the three most suitable financial institutions based on user details;

Biometric Verification: Facial recognition + authenticity detection completes risk assessment in minutes;

Instant Disbursement: Funds are transferred to a linked bank account upon approval, supporting major banks including BCA.

Important Notice: Loans carry risks. Please plan your use of funds wisely based on your income stability.