PinjamFlexi is an intermediary application that provides information and recommendations on loans registered with and supervised by the Financial Services Authority (OJK). It should be noted that PinjamFlexi does not provide direct financial services or act on behalf of any institution. All services are offered by partner financial institutions with their own terms and conditions, with the final decision being made solely by the service provider and prospective user.

【PinjamFlexi Advantages】
✅Fast and Convenient Registration Process: A simple online registration process requiring only basic user information.
✅Flexible to Suit User Needs: Offers a variety of services tailored to user needs.
✅Easy Access Anytime, Anywhere: Access service information 24/7 with just a mobile phone and an internet connection.
✅Various Options from Verified Partners: Users can evaluate available options more securely and conveniently.
✅Service Information Presented Neutrally: All information is presented to help users objectively understand the characteristics of each provider.

【User Requirements】
1. Indonesian citizen (WNI) at least 18 years old
2. Have an ID card and an active bank account in your own name
3. Have a contactable mobile phone number
4. Have a steady income or verifiable source of funds

【Loan Product Information】
- Loan Amount: IDR 500,000 - IDR 30,000,000
- Minimum and maximum loan terms: 91-180 days
- Maximum Annual Interest Rate (APR): 20%~36%

【Loan Cost Simulation】
If you apply for IDR 30,000,000 for 180 days with an annual interest rate (APR) of 20%, then:
- Daily Interest Rate: 0.0548%
- Total Interest: IDR 30,000,000 * 0.0548% * 180 = IDR 2,959,200
- Daily Interest: Rp 30,000,000 * 0.0548% = Rp 16,440
- Monthly Interest: Rp 16,440 * 30 = Rp 493,200
- Total Repayment: Rp 30,000,000 + Rp 2,959,200 = Rp 32,959,200

The simulation above is only an illustrative calculation example. The final amount and fees will be determined based on the evaluation results and policies of each partner financial institution.

【How to Apply】
1. Download the PinjamFlexi app from the Google Play Store.
2. Register your account by filling in the basic information according to the app's instructions.
3. Select the product you need.
4. Submit your application and wait for verification.
5. Once approved by the service provider, the funds will be transferred to your account.

【Your Privacy & Security】
PinjamFlexi upholds data protection. All information collected is used only to assess eligibility and match you with loan services. Data is encrypted and will not be shared without your consent.

【Contact Us】
Don't hesitate to contact us if you have any questions or feedback while using the app.
📧Email: [email protected]
🕘Operating Hours: Monday-Friday, 9:30 AM - 6:30 PM WIB
📍Address: Tabunganen Pemurus, Tabunganen Pemurus Subdistrict, Tabunganen District, Barito Kuala Regency, South Kalimantan, 70513