Question 1

Is Kredit Pintar already registered in OJK?

Accepted Answer

Absolutely. Kredit Pintar Indonesia is already registered and supervised by OJK with permission no. KEP -83/D.05/2019. With this permission, Kredit Pintar will always comply to any conditions as well as financial regulations in Indonesia, that includes maintaining the security and safety of customer's data.

You can find out the list of fintech here periodically.

Question 2

How much is the total loan and payment for installment in Kredit Pintar?

Accepted Answer

Kredit Pintar provides cash loan for every needs up to 20 Million rupiahs, which can be paid for 28 days, as well as paid as installment for 3,6, until 12 months.

Question 3

How to Apply For A Loan in Kredit Pintar?

Accepted Answer

Easy! You can follow the steps below:
1. Open your Kredit Pintar application. If you do not have ot yet, please install it from the Google Play Store,
2. Register and verify your account.
3. Fill in the loan application form and complete the required supplementary documents (KTP and selfie).
4. Your application will be proceeded into verification. Please wait for a notification about loan application from Kredit Pintar.

Question 4

How do I Pay My Bill?

Accepted Answer

Bill payment can be done through BCA, Mandiri, BNI, Bank BRI, and Alfmart. For payment details, kindly open Kredit Pintar payment method in Kredit Pintar application, or check out this link.

Question 5

What is the customer service number for the complaint and what are the User Complaint Lines?

Accepted Answer

You can address your complaints through several provided complaint lines, such as:

1. Call center / phone.
You can reach us at (021) 5059-8882 to address the complaints. This telephone number can be found easily in the website or app. The official hour to address your complaints in this phone number is during 08.00 A.M - 22.00 P.M GMT +7 daily.

2. Email
You can submit your complaints through our email address at cs@kreditpintar.com

3. Social Media
You can also reach one of these Kredit Pintar social media below:
IG:@kreditpintar
FB:@kreditpintar
Twitter: @kreditpintar

4. Live Chat
You can utilize dhat feature in Kredit Pintar application.

Question 6

What is Kredit Pintar?

Accepted Answer

Kredit Pintar is a financial technology (fintech) company that is registered and supervised by OJK and envisions improving the lives of Indonesian citizens by providing accessibility to short-term loans.  Since its establishment in 2018, the Kredit Pintar application has been downloaded more than 10 million times in the Google Play Store and has received many positive reviews from its users.  Besides that, Kredit Pintar also achieved the "Top Brand Award 2021" under the Online Financing category, which indirectly strengthens the position of Kredit Pintar as a loan application without mortgage in Indonesia with satisfactory service.

Question 7

Is Kredit Pintar already registered in OJK?

Accepted Answer

Absolutely. Kredit Pintar Indonesia is already registered and supervised by OJK with permission no. KEP -83/D.05/2019. With this permission, Kredit Pintar will always comply to any conditions as well as financial regulations in Indonesia, that includes maintaining the security and safety of customer's data.

Question 8

Is Kredit Pintar application available in iPhone / iOS?

Accepted Answer

Currently, Kredit Pintar application is only available only for Android users.

Question 9

How do I apply for a loan in Kredit Pintar?

Accepted Answer

Easy! You can follow the steps below:
1. Open your Kredit Pintar application. If you do not have ot yet, please install it from the Google Play Store,
2. Register and verify your account.
3. Fill in the loan application form and complete the required supplementary documents (KTP and selfie).
4. Your application will be proceeded into verification. Please wait for a notification about loan application from Kredit Pintar.

Question 10

Does apply for a loan in Kredit Pintar requires any mortgage or credit card?

Accepted Answer

No. To apply for a loan, you only need Indonesian ID card and active account number on behalf of the borrower.

Question 11

What are the requirements for applying for a loan in Kredit Pintar?

Accepted Answer

To apply for a loan, you must fulfill the requirements below:

1. You must be an Indonesian citizen
2. Age 18-55 years old, or at least 22 years old, maximum 60 years old.
3. Have a valid Indonesian ID Card.
4. Have a bank account that matches your Indonesian ID Card.
6. Fulfill other required data or documents.

You can download here to apply for a loan in Kredit Pintar.

Question 12

Which area does Kredit Pintar cover?

Accepted Answer

Currently, Kredit Pintar covers entire Indonesia area.

Kindly visit this page for further details.

Question 13

How much loan that I can get?

Accepted Answer

You can apply for a loan that is available starting from Rp 600.000,- until Rp 10.000.000,- in a single transaction.

You can improve for a high loan limit by improving credit history up to Rp 20.000.000,- without mortgage.

Question 14

Can I apply for more than 1 loan?

Accepted Answer

You must repay previous loan first before applying for a new loan.

Question 15

How long does the loan application last?

Accepted Answer

It will last for 24 hours at the latest. Kredit Pintar will notify you through the application if your loan application is approved.

Question 16

Why is my loan application rejected?

Accepted Answer

The rejection may occur because of various reasons. If the reason of your rejection does not answer the question, you can reach out Kredit Pintar CS.

Question 17

My loan application is rejected. Can I reapply in Kredit Pintar?

Accepted Answer

If your application is rejected, you can still re-apply for a loan after some times.

Question 18

Can I cancel a loan in Kredit Pintar?

Accepted Answer

If you want to request for a loan cancellation, the following conditions must be met:  1. Cancellation can only be done for first loan that do not have a loan history on Kredit pintar 2. Loan cancellation time can only be done a maximum of 1x24 hours from the time of disbursement  3. If it is more than 1x24 hours since the time of disbursement, the cancellation cannot be processed / carried out. 4. Cancellation can be done by returning the funds received or the principal of the loan and adding an administrative fee of IDR 10,000.

Question 19

How to Pay My Bill From Home?

Accepted Answer

Currently, we are in a situation when covid-19 case still happens. Thus, Kredit Pintar suggests you not to leave the house to pay the bill. Therefore, you may pay your bill online by transferring using a virtual account. Please follow the steps below:

1. Check your bill info on the “Tagihan” menu
2. Press “BAYAR”
3. Select the “VIRTUAL ACCOUNT” payment method
4. Select the bank you want to use
5. Copy the Virtual Account code, and paste it in the bank or internet banking application that you are using
6. Submit the amount of bill listed on the Kredit Pintar application
7. Press “OK” to complete your transaction
8. Payment Success!
9. Payment status will be automatically updated in the application

Question 20

How to Pay via Alfa Group?

Accepted Answer

Steps for Payment via Alfa Group
1. Click “Dapatkan Kode Pembayaran” in your Kredit Pintar app.
2. Then you will get a virtual account code on the application registered under the name “BMY”.
3. Pay your total bill to the cashier.
4. Keep the receipt with you.

Question 21

How to Pay via BCA?

Accepted Answer

BCA ATM

1. Insert your BCA card and enter the PIN
2. Go to “Transaksi Lainnya” menu
3. Select “Transfer” and click “BCA Virtual Account”
4. Enter the BCA Virtual Account number registered in the app
5. Enter the amount to be paid
6. Make a payment and keep the receipt

To make the payment via m-BCA, you can check it out here.

Question 22

How to Pay via BNI?

Accepted Answer

BNI ATM

1. Insert your BNI card and enter the PIN
2. Choose “MENU LAIN”
3. Choose “TRANSFER”
4. Choose "OTHER TRANSACTION"
5. Choose "REKENING BNI"
6. Enter the correct virtual account and choose "BENAR"
7. Enter the bill amount and choose "YA"
8. Make the payment and keep the receipt with you.

To make the payment via m-BNI, you can check it out here.

Question 23

How to Pay via BRI?

Accepted Answer

BRI ATM

1. Insert your BRI card and enter the PIN
2. Choose “TRANSAKSI LAINNYA”
3. Choose “MENU LAIN”
4. Choose "MENU PEMBAYARAN"
5. Choose "to BRI"
6. Choose "BRIVA" menu
7. Enter your BRI VA number, and choose "BENAR"
8. Confirm your payment, choose "YA" if it is already correct.
9. Make the payment and keep the receipt with you.

To make the payment via m-Banking BRI, you can check it out here.

Question 24

How to Pay via Mandiri?

Accepted Answer

BRI ATM

1. Insert your MANDIRI card and enter the PIN
2. Choose “LAINNYA”
3. Choose “BAYAR/BELI”
4. Choose "MULTI PAYMENT"
5. Enter the companny code “88608 (Xendit 88606)” choose "BENAR"
6. Enter VA number
7. Enter your bill amount and choose ""BENAR""
8. A confirmation of customer data appears. Select number 1 according to the bill to be paid then press YES
9. Make the payment and keep the receipt with you.

To make the payment via Mandiri mobile, you can check it out here.

Question 25

If I Pay Late, Will I be Fined?

Accepted Answer

Yes. You must pay a late fee for any payments that are past the due date.

The calculation of late fees on Kredit Pintar is based on the product you choose and can be seen from your Kredit Pintar application.

Question 26

Am I Allowed to Pay Earlier?

Accepted Answer

Yes. You can make early installment payments according to the number of installments listed in the Kredit Pintar application, without any changes to the interest that must be paid.

Question 27

What Will Happen If I Do Not Pay The Bill?

Accepted Answer

Maximum bill payment is made on the due date. If you do not pay the bill according to the applicable regulations, you will experience several conditions as below:

1. You will be regularly reminded by our billing team, to immediately make a bill payment.

2. Billing can also be done through direct visits to your residence or business location.

3. Failure to pay will be subject to late fees in accordance with the policies applicable in Kredit Pintar and stated in the loan contract.

4. Telephone billing to family, friends, or other parties related to you whose phone number is listed as an emergency number, if:
a. You are still in arrears and your whereabouts are unknown for direct collection, even though you have attempted to visit and communicate directly with the borrower.
b. You are still in arrears and do not have good intentions to communicate with Kredit Pintar, regarding the collection of the debt.
c. You are still in arrears and do not respond or cooperate properly in the effort of Kredit Pintar debt collection.

5. Billing through legal channels against borrowers.

6. Carry out other efforts deemed necessary as an effort to collect.

7. Payment failure will also affect the quality of your credit which can affect your next loan application at Smart Credit or at other financial institutions.

Question 28

How much is the total loan and how to pay the installments?

Accepted Answer

Kredit Pintar provides cash loans without mortgage for every needs. The following are the nominal tenor options available in the Kredit Pintar application

1. IDR 600,000 with
2. IDR 1,200,000 with 2 months tenor
3. IDR 1,800,000 with 3 months tenor

You can also apply for loan installments of up to IDR 20 million without mortgage after achieving good record of credit history.

Question 29

How much is the interest and admin fee?

Accepted Answer

Regarding admin fees and interest on loan products, you can directly check the product details on the main page menu or the menu in the Kredit Pintar Application.

The fee of each product will be different, users can freely choose the desired product.

Please apply for a loan according to the nominal stated on the application screen.

You can check the full details here.

Question 30

How to increase Kredit Pintar limit?

Accepted Answer

You can increase your loan limit by doing several things, as follows:
1. Make payments on time and not past the specified due date.

2. Make sure you use 1 (one) mobile number in the smart credit application. Avoid using more than one cell phone number, because it will affect your limit and your next loan application.

3. Recheck your complete personal data when applying for a loan. Make sure the photo of yourself and taking the ID card is clearly visible, attaching the required personal data.

4. Routinely apply for loans.

5. Check your smart score so you can get a chance to get a big limit.

Question 31

What data is taken by Kredit Pintar from my cellphone?

Accepted Answer

We transparently ask for permission to access certain data from your cellphone such as camera, location and other supporting data, as stated in our Service and Privacy Agreement.

Question 32

How is it safe to apply for a loan on the Kredit Pintar Application?

Accepted Answer

Kredit Pintar protects all personal information of its customers so that it has complete security and is easily accessible via OTP (One Time Password) which you will get through:

1. SMS
2. Whatsapp Messenger Application
3. Facebook
4. Voice

Kredit Pintar has also been registered and supervised directly by the Financial Services Authority (OJK), so that the services provided are proven to be safe and reliable.

Read the full details here to find out the security of the Kredit Pintar OTP and keep it safe so that you are always safe.

Question 33

Is Kredit Pintar a licensed low interest loan application?

Accepted Answer

In the midst of the rise of illegal online money loans, don't worry if you want to use the Kredit Pintar application because we have been registered and supervised by the OJK.

You can read this article to avoid the rise of illegal online money loans.

Question 34

Why does Kredit Pintar need to access my smartphone data?

Accepted Answer

Kredit Pintar needs to access data from your smartphone, such as camera, location, and other supporting data, as stated in our Service and Privacy Agreement.

Question 35

Will Kredit Pintar share my data?

Accepted Answer

Kredit Pintar will not disseminate data to other parties without your knowledge and consent.

Question 36

How Can I Keep My Account Safe From Scams?

Accepted Answer

Here are some things you need to be aware of, to maintain the security of the Kredit Pintar application account

1. Username information.
2. Smart Credit account password.
3. OTP (One Time Password) code.
4. Registered mobile number.
5. Proof of payment transactions.
6. ID card photo
7. Your photo with ID card.
8. Savings Book.

Some of the things above are enough for you to know. For more details, you canread this article to secure your account from fraud.

Question 37

Will Kredit Pintar share my data?

Accepted Answer

Kredit Pintar will not disseminate data to other parties without your knowledge and consent.

Question 38

How to Contact Kredit Pintar Call Center

Accepted Answer

You can contact us at (021) 5059-8882 at the official time at 08.00 - 20.00 WIB every day.

Question 39

What is the customer service number for the complaint and through what are the Kredit Pintar Complaints Lines?

Accepted Answer

You can address your complaints through several provided complaint lines, such as:

1. Call center / phone.
You can reach us at (021) 5059-8882 to address the complaints. This telephone number can be found easily in the website or app. The official hour to address your complaints in this phone number is during 08.00 A.M - 22.00 P.M GMT +7 daily.

2. Email
You can submit your complaints through our email address at cs@kreditpintar.com

3. Social Media
You can also reach one of these Kredit Pintar social media below:
IG:@kreditpintar
FB:@kreditpintar
Twitter: @kreditpintar

4. Live Chat
You can utilize dhat feature in Kredit Pintar application.

Get cash loan with 2, 3, 6 and 12 months of installment NOW!

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