Is it safe?

Lightweight is an online cash loan application licensed by the OJK. We review and review what it is Light about how to submit, product services, interest, fees, advantages and disadvantages of this loan application. Mild Advantage is an online loan that has an official permit, registered under the supervision of the OJK, which offers fast liquid cash credit without collateral provided that an ID card is sufficient. Mild promises a more competitive interest rate. Meanwhile, Mild's shortcomings are high interest and credit costs, access to personal data on mobile phones, small loan limits and short tenors of only a few months. Lightweight safe and not a scam. This application is legit and legal. On August 2, 2021, Lightweight has obtained permission from the Financial Services Authority (OJK) to carry out Information Technology-Based Lending and Borrowing activities (otherwise known as Peer-to-Peer Fintech lending). Lightweight is also an active member of the Indonesian Joint Funding Fintech Association (AFPI).

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Lightweight is part of the Ping An Insurance Group, the world's leading financial services provider. So, this P2P company has clear legality. Not illegal borrowing, not fraud or not going bankrupt and closing. Lightweight is an online-based loan that provides cash loans without collateral. With interest starting at 0.05% per day and a loan limit of up to IDR 20 million. Lightweight is a company engaged in the Information Technology-Based Lending and Borrowing Business (otherwise known as peer-to-peer fintech lending) which is licensed and supervised by the Financial Services Authority (OJK) and its activities are in accordance with OJK Regulation No. 77/POJK. 01/2016 and other applicable regulations. Apply for a cash loan through the Lightweight Application available on the Google Play Store.

Go to Google Playstore, please download the Lightweight application.

3. Verify your ID card, face recognition and complete all required data. Users can check the application. If the area of ​​residence is listed, it means that you can submit an application. The maximum total borrowing cost per day is 0.4% or 12% per month. This is in accordance with the maximum interest provisions for online loans from AFPI. Although Mild mentions that the loan interest starts from 0.05% per day. Lightweight does not apply an upfront admin fee discount. The borrower will receive a 100% approved disbursement fund in full to the borrower's bank account. Live or work in Greater Jakarta, Bandung, Kab. Bekasi, Kab. Bogor, Kab. Karawang, Semarang, Surabaya, Serang, Cilegon, Kab. Go to Google Playstore, please download the Lightweight application. Once downloaded, enter the application and an option appears to apply for a loan. Note that the application has the OJK logo listed which indicates that this company is registered and supervised by the OJK. The OJK logo is important to note because currently there are many illegal online loans. It is very dangerous to apply for credit at an illegal loan. Lightweight application displays loan agreements. We need to read and agree to it to be able to move to the next stage. The application asks prospective borrowers to agree to access to mobile phone personal data.

Take a photo of your e-KTP with the camera on the phone used to open the account.

Data access is needed to analyze loan applications. Enter your cellphone number and there will be an OTP confirmation to verify your cellphone number. Mild asks us to provide access to location data (based on GPS) and cameras. By accessing this data, Lightweight can monitor the location of the phone. The application process begins with the appearance of the application display, which shows the ceiling, interest and tenor. We start the application process by clicking 'Apply Now'. Fill in and complete the personal data according to the form in the application. Fill in and complete the emergency contact data, such as mobile phone number, name and relationship with the customer, according to the form in the application. Required to write 3 emergency contacts. Take a photo of your e-KTP with the camera on the phone used to open the account. Make sure that the photo of the eKTP is clear, not a photocopy, that the entire KTP is included in the frame and the system can read the contents of the KTP clearly. The system in the application will read the contents of the data on the ID card. Make sure the ID card data read by the system is correct. Take a photo of the face in a way according to the specified conditions.

Fill in the bank account number data for the purpose of disbursing funds if approved. Make sure the name on the bank account is the same as the name of the borrower on the ID card. After all data is entered, the Lightweight credit scoring system will process and decide whether the application is approved or not. The decision on whether or not to accept the proposed online loan can be known within 1-2 working days and will appear in the Lightweight Application available on the Google PlayStore. Lightweight partners will receive online loan disbursement from Lightweight within 24 hours of the loan application being approved. Lightweight Partners will receive an SMS containing confirmation and information regarding low-interest online loans available on the Lightweight Application.

2. Please fill in the Loan Amount, Loan Duration, Beneficiary Account, Loan Purpose, and Industry. 3. In addition, Lightweight Partners can view your Payment Due Information and future fees and interest information. 4. Finally select 'Confirm' and please wait up to 1x24 hours until the funds enter the Light Partner account. Lightweight applications can be downloaded for free on the PlayStore. Pay attention to download the original app. Lightweight Application provides a large loan ceiling. It can be up to Rp. 20 million. Lightweight serves a number of coverage areas in Indonesia. Check the areas served in the Lightweight application. Light Flexibility in Loan Terms and Conditions. If Lightweight Partner delays installment payments, Ringan will contact you via phone, email, and other contacts provided to Ringan as a reference number. Lightweight Partners can make loan installment payments through virtual accounts that can be done in real-time via ATM transfers, internet banking, mobile banking and Alfamart. Lightweight Partners can find out the virtual number of payments on Light Apps. Field Collection Visits, namely collections that are carried out directly, through visits to the area/place of domicile of the Borrower. Generally, fintech emphasizes the billing process by telephone at the collection desk. However, billing for visits will be made if needed.

If the customer has lost contact, then the process of field collection visits to homes and offices is carried out. A third party, agency collection or known as a debt collector can be used, especially at the field collection stage. Done as part of the operational efficiency of fintech, so that fintech can focus on main operations such as the underwriting process. So, if the debtor takes an online loan, he must be ready to be visited by debt collectors when credit payments are in arrears. Especially if the payment is more than 30 days late. Lightweight partners will be charged a penalty fee for late installment payments on loans at Lightweight. We will reply within a maximum of 2 working days. This service is available every day at 08:30-17:30 WIB. Ease of application process. Just download the app, take selfies and ID cards and fill out the form. No collateral is needed to apply for this loan. Suitable for meeting emergency needs that demand an easy money loan process without long-winded conditions. Lightweight does not ask for a payslip in the loan application process. Consumers only need to submit their ID cards. This is different from most other loans in fintech, especially banks, which require consumers to send salary slip documents. Not asking for a payslip, of course, simplifies the application process for consumers.

In contrast to KTA, which can offer a loan tenor of up to 60 months.

The approval process is fast. Only 3 minutes since the submission, the Light party has given approval. The customer has received news whether the application has been approved or not in less than 24 hours. This instant process, obviously, is very different from the process in a bank or leasing. The fastest bank takes 1 week for credit applications to be approved. Lightweight is a trusted loan that has been registered, licensed and supervised by the OJK. Its existence is legal and official. Have a clear office address so that you can be contacted if anything happens. Usually money loan providers have responsive customer features. That way, customers can get help quickly when they face problems. This is the maximum interest terms for online loans from AFPI. Even though in the promo, Lightweight mentions that the interest starts from 0.05% per day. However, in the simulation, we could not find the terms of interest. Compare that to KTA interest rates at banks which are in the range of 20% to 30% a year. Much lower than interest in Light fintech. Compared to KTA or credit cards, the loan limit at Lightweight is relatively small. The maximum can only be less than Rp. 20 million. Even for the first loan, Light usually provides a smaller limit. The increase in the new limit can be done on the next loan, provided that the payment record is good. For those who need large amounts of cash, Light is not suitable. It is more appropriate to apply to a bank KTA. The credit period or tenor at Lightweight is quite short, which is a maximum of 12 months. Maybe this is related to the small loan ceiling and risk management. In contrast to KTA, which can offer a loan tenor of up to 60 months. A long tenor helps the number of installments to be smaller. In online loans that use applications, there is always a risk that personal data on our cellphones or cellphones will be accessible. Generally, applications such as Lightweight will ask for permission to access personal data. We as consumers must be aware that there is always a risk of data leakage by providing data access to 3rd parties. Although, the application maker has stated that it will keep the personal data, but still the risk exists. The online loan facility at Lightweight can only be used in the application on our cellphones. Cannot be used on a desktop or laptop.

Are you planning to buy an automatic car? Or planning to ride it in the near future? Maybe you already know that the way to drive an automatic car is different from the usual car, which shifts the gears manually. Automatic cars have automatic transmissions, where the automatic car gearshift system is designed to be able to move without having to step on the clutch pedal. Automatic transmission has two types of systems, both of which are also known to be simpler and easier, namely semi-automatic and automatic systems. This is How to Check Jakarta Number Plates, Easy! Even though it's automatic, it doesn't mean that driving an automatic type car is just playing the gas and brakes. You also have to be required to have a good feeling in measuring engine power because automatic cars also have transmissions that you can adjust depending on your needs. You will meet the automatic transmission lever with the code P, R, N, D, D3, 2 and L. If you are a new player in driving an automatic car, you are definitely confused by the letters and numbers that are rarely found. 9 Ways to Get Rid of Stickers on Motorcycles, Smooth Back Again! How to Check Vehicle Number Plate Owners Online, Easy! Complete Car Window Film Price List, Must Know! Well, to help you recognize a dead car gear, Qoala will explain in full about automatic car gear, from how to drive it, the meaning and function of each of the codes above and other information you need to drive an automatic car through this review.

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