Checking the List of OJK-Approved Digital Lenders for January 2026

With the rapid rise of financial technology, online loans have become more accessible yet risky. It is crucial to verify the legality of digital lenders to avoid fraud. Many opt for these services due to their convenience and quick disbursement, though illegal operations could lead to losses. To ensure security, it is important to use services from lenders licensed by OJK, who are required to adhere to strict rules regarding interest rates, consumer protection, and debt collection practices. OJK regularly updates the list of legal companies—96 are licensed as of January 2026. Exercise caution when selecting online lenders and always verify their legal status.