Official List of Legal Pinjol 2026

The development of financial technology in Indonesia has led to a significant increase in the number of online lenders (Pinjol). While these services offer convenience in obtaining loans, they also increase the risk of fraud. Therefore, it is crucial for Indonesians to use only platforms registered and supervised by the Financial Services Authority (OJK). As of January 2026, OJK has authorized 96 Pinjol, operating legally. These companies are required to adhere to specific guidelines regarding interest rates and consumer protection, which reduces the risk for borrowers. It is essential to check the platform’s legitimacy before applying for a loan…