Types of Loans at Pawnshops and Conditions: There is Fast & Secure Credit

Types of Loans at Pawnshops and Conditions: There is Fast & Secure Credit

Borrowing money at a pawnshop can be a solution when experiencing financial problems. Pawnshop loans also have many types to choose from. However, before understanding how to borrow at a pawnshop, first know the conditions.

Pegadaian is a state-owned company engaged in the financial sector. Pegadaian is here as a loan solution for the community with a pawn system.

Pegadaian has many outlets spread all over Indonesia. Pegadaian is loved by the community because of the easy and safe disbursement system.

Types and Methods of Borrowing at Pegadaian

The increasing needs of the community make pawnshops actively respond by offering various variants of products. The following are the types of loans at Pegadaian and the conditions, according to the official website.

1. Fast & Secure Credit (KCA)

Pegadaian KCA is the right solution to get a loan easily, quickly and safely. Collateral in the form of gold jewelry, gold bars, diamonds, cars, motorcycles, laptops, cellphones and other electronic goods.

Superiority:

  • KCA services are available at more than 4,400 Pegadaian outlets throughout Indonesia.
  • Easy submission procedure.
  • Fast loan application process.
  • Loans start from IDR 50,000,-.
  • Loans with a term of 4 (four) months & can be extended many times.
  • Payment can be made at any time.
  • Calculation of capital lease over the term of the loan.
  • Loans are received in cash or transferred to the customer’s account.

Condition:

  1. Photocopy of valid official identity card (KTP/SIM/Passport).
  2. Submit collateral.
  3. For motorized vehicles, bring the original BPKB and STNK.
  4. The customer signs the Proof of Credit (SBK).

2. Pegadaian Rahn The Rahn financing

from Pegadaian Syariah is the right solution to the need for fast funds that are sharia-compliant. Fast processing, safe storage. Collateral goods in the form of gold jewelry, gold bars, diamonds, smartphones, laptops, other electronic goods, motorcycles, cars or other movable goods.

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Superiority:
  • Rahn’s services are available at more than 600 Sharia Pawnshop outlets throughout Indonesia.
  • The application procedure is very easy.
  • The loan procedure is very fast, it only takes 15 minutes.
  • Loans ( Marhun Bih ) ranging from 50 thousand to 500 million rupiah or more.
  • The loan has a term of 4 months and can be extended many times.
  • Repayment can be done at any time with the calculation of Mu’nah during the loan period.
  • The loan process without having to open an account.
  • Marhun Bih receipts in cash or transferred to customer accounts.

Condition

  1. Photocopy of ID card or other official identity card.
  2. Have collateral.
  3. For motorized vehicles, bring the original BPKB and STNK.
  4. The customer signs the Rahn Proof (SBR).

Ijaroh rates range from 5% (minimum APR) to 7% APR (maximum APR) per year and the payment tenor options range from 1 day (minimum tenor) to 120 days (maximum tenor).

Related Post : How to Pawn Goods at Pawnshops Online (Digital Pegadaian)

3. KRASIDA (Credit Pawn Installment System) Pawnloan installment system. Krasida is a monthly installment loan for consumptive and productive purposes with a gold guarantee which is the right solution to get credit facilities in a fast, easy and cheap way.

Superiority:

  • Services at more than 4,400 Pawnshop outlets throughout Indonesia.
  • Loans start from IDR 1,000,000 up to IDR 250,000,000.
  • Easy and fast process.
  • Maximum loan is 95% of the value of the collateral transaction.
  • Loans with capital leases are relatively cheap with fixed monthly installments.
  • Flexible term loan with a choice of 6, 12, 24 and 36 months.
  • Repayment can be made at any time by giving a discount for capital leases.

Condition:

  1. Photocopy of ID card and family card.
  2. Have gold collateral items.
  3. Fixed interest rates range from 15% (minimum APR) to 17% APR (maximum APR) per year and the choice of payment tenors ranges from 6 (minimum tenor) to 36 months (maximum tenor).

4. Kreasi

Kreasi is a loan with monthly installments for the Development of Micro, Small and Medium Enterprises (MSMEs) with a BPKB guarantee for motorized vehicles.

Superiority:

  • Easy credit application procedure with BPKB Guarantee.
  • Loans start from Rp. 1.000.000,- up to Rp. 400,000,000,-.
  • Fast credit application process.
  • Low interest rates with fixed monthly installments.
  • Flexible term loans with a choice of 12, 18, 24, 36 and 48 months.
  • Payment can be made at any time.
  • Micro Credit Services at all Pegadaian outlets in Indonesia.

Condition:

  1. Own an MSME business.
  2. Photocopy of KTP and Family Card.
  3. Have motorized vehicle collateral (original BPKB, Photocopy of STNK and Purchase Invoice) or Proof of Ownership of Place of Sale (BPHTB).

Fixed interest rates range from 12% (minimum APR) to 17% APR (maximum APR) per year and the choice of payment tenors ranges from 12 (minimum tenor) to 36 months (maximum tenor).

5. Amanah

Amanah is the provision of sharia-based loans to permanent employees and micro-entrepreneurs, for the purchase of motorized vehicles.

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Superiority:

  • The transaction process with sharia principles is fair and reassuring according to the DSN-MUI fatwa.
  • The financing process is served at more than 4,400 Pegadaian outlets throughout Indonesia.
  • The down payment for the purchase of a motorbike starts at 10%.
  • The down payment for the purchase of a car starts at 20%.
  • Flexible term financing starting from 12, 18, 24, 36, 48 and 60 months.
  • Pegadaian provides attractive and competitive rates (Mu’nah).
  • Financing can be provided for new or second vehicles.
  • The service procedure is simple, fast and easy.

Condition:

  1. Permanent employees of a government or private agency have worked for at least 2 years.
  2. Photocopy of KTP and KK
  3. Photocopy of Decree of Appointment
  4. Copy of Employee Identification Card/Karpeg
  5. Copy of Marriage Certificate (if any)
  6. Salary Slip for the last 2 months
  7. Fill out and sign the form.

6. Pegadaian Arrum BPKB

Arrum is Sharia financing for the development of Micro, Small and Medium Enterprises (MSMEs) with Motor Vehicle BPKB Guarantees.

Superiority:

  • The transaction process with sharia principles is fair and reassuring according to the DSN-MUI fatwa.
  • The financing process is served at more than 600 pawnshop sharia outlets.
  • Installment payments can be made at all sharia pawnshop outlets.
  • Flexible term financing starting from 12, 18, 24 and 36 months.
  • Pegadaian provides attractive and competitive rates.
  • The service procedure is simple, fast and easy.
  • Pegadaian only stores BPKB, the vehicle can be used by customers.
Good For Read : Function and Benefit in Procurement

Condition:

  1. Have a business that meets the eligibility criteria and has been running for 1 (one) year or more.
  2. Photocopy of KTP and Family Card.
  3. Submit valid documents.
  4. Submit motor vehicle ownership documents (original BPKB, photocopy of STNK and purchase invoice).

The Ijaroh tariff ranges from IDR 700 x (Taksiran / IDR 100,000) and the payment tenor options range from 12 (minimum tenor) to 36 months (maximum tenor).

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