OJK's Official Online Loan List for Early 2026

At the start of 2026, the Financial Services Authority of Indonesia (OJK) emphasized the importance of verifying the legality of online loans. Despite warnings, many Indonesians still fall into the trap of illegal lenders due to the allure of fast processes. According to OJK data, as of January 2026, dozens of companies have obtained OJK licenses. These companies are required to adhere to directives on interest rates, transparency, and data protection. However, illegal lenders operate without OJK oversight, posing significant risks, including aggressive collections and opaque terms. OJK provides a comprehensive list of licensed lenders and tips for the safe use of such services, fostering a secure digital financial ecosystem.