Dana Instan Tokopedia, Pinjaman Tanpa Jaminan Dan Kartu Kredit Proses Cepat!

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Sebagai e-commerce terbesar di Indonesia, tokopedia semakin menjuarai pasar online. Berbagai macam barang tersedia, bahkan pembelian pulsa, voucher, pembayaran tagihan serta listrik bisa dilakukan di Tokopedia. Mengikuti perkembangan zaman, tokopedia kini bekerjasama dengan Fintech untuk menawarkan pinjaman tanpa jaminan dan kartu kredit proses cepat. 

Mengapa Dana Tunai Tokopedia?
Ada beberapa alasan mengapa pinjaman dana tunai di e-commerce ini sangat menarik untuk perhatian. Tokopedia bekerja sama dengan berbagai bank serta lembaga keuangan yang terpercaya, Beberapa mitra yang telah bekerjasama dengan Tokopedia menyediakan program pinjaman online dengan syarat yang mudah, bahkan tanpa harus memberikan jaminan dan bersyarat memiliki kartu kredit.

Dana Tunai Tokopedia menggiurkan!
Mengapa menggiurkan? Karena selain berfungsi sebagai marketplace barang, saat ini tokopedia berfungsi juga sebagai marketplace pinjaman tanpa jaminan dan kartu kredit proses cepat.

Syarat dan Ketentuan
Sebelum mengajukan pinjaman, Anda harus terlebih dahulu mendownload aplikasi Tokopedia di play store karena khusus fitur dana instan tanpa jaminan, Tokopedia mensyaratkan pengajuan via aplikasi dan tidak bisa melalui website.

Syarat umunya sebagai berikut:
- WNI
- Memiliki KTP
- Foto diri
- Memiliki aplikasi tokopedia
- Mengisi data-data pribadi
- Harus memiliki penghasilan tetap (dibuktikan dengan slip gaji)
- Lampirkan BPJS, KK NPWP (jika ada)

Info data pribadi di sini bersifat wajib untuk diisi. Jika tidak, maka pengajuan dana instan tidak bisa dilanjutkan.

Jenis Pinjaman
Di aplikasi Tokopedia, pilihlah fitur ‘Pinjaman Online’. Setelah masuk ke fitur ini tersedia dua jenis kredit yaitu:

1. Pinjaman Online. Jumlah pinjaman yang cukup besar dengan minimum plafon 5 juta sampai dengan 3 Miliar. Karena ini adalah jumlah yang besar, maka proses pengajuan lebih panjang dan tidak bisa langsung cair dalam hitungan menit serta memerlukan kelengkapan dokumen lebih banyak.

2. Dana Instan. Jumlah pinjaman yang tergolong kecil dengan tenor singkat (maksimum hanya 30 hari). Karena jumlah yang kecil inilah, proses menjadi lebih singkat hanya dalam kurun waktu 24 jam bisa langsung cair

Tokopedia memberikan pinjaman tanpa jaminan dan kartu kredit proses cepat kepada calon peminjam, sementara Tokopedia bekerjasama dengan pihak lain yang terdaftar P2P di OJK dalam memberikan pinjaman karena Tokopedia sendiri memang tidak memiliki izin pinjaman online P2P dari OJK.

Singkatnya, pinjaman dana tunai instan Tokopedia memiliki fitur sebagai berikut:

- Jumlah pinjaman 500 ribu sampai dengan 1.2 juta
- Hanya ada pilihan tenor 14 hari atau  21 hari
- Bunga pinjaman 1% per hari
- Keputusan approval kredit maksimal 1x24 jam
- Pencairan dana maksimal 2x24 jam setelah pengajuan disetujui
- Tidak perlu memiliki kartu kredit
- Tidak ada BI checking

Metode Pembayaran Cicilan
Cara pembayaran pinjaman Tokopedia dapat dilakukan dari semua bank transfer ataupun ke rekening virtual account khusus.

Biaya-biaya
- Late payment fee 1 hari = sisa hutang pokok x 10%

Bunga Pinjaman Tokopedia
- Suku bunga sebesar 1.1% per hari.

Dilansir dari website tokopedia menyatakan bahwa “Pinjaman Online tersebut merupakan program kerjasama Tokopedia dengan Mitra Penyedia Pinjaman yang memungkinkan Pengguna untuk mengajukan permohonan pinjaman tunai secara elektronik melalui Aplikasi. 

Dana Instan adalah program Pinjaman Online dimana Pengguna bisa mendapatkan pencairan dana tunai secara elektronik dalam waktu singkat. Mitra Penyedia Pinjaman adalah pihak ketiga yang bekerjasama dengan Tokopedia untuk menawarkan pinjaman tunai secara elektronik melalui

Aplikasi.” Tokopedia melakukan kerjasama dengan pihak lain yang disebut Mitra Penyedia pinjaman tanpa jaminan dan kartu kredit proses cepat.

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