Pandai Gadai: HP, Emas, & BPKB

Pandai Gadai is a cash loan platform that offers collateral in the form of gold (jewelry and precious metals), electronics (laptops and cell phones), and vehicle registration certificates (BPKB) (motorcycles and cars). Pandai Gadai is licensed and supervised by the Financial Services Authority (OJK). It now has dozens of outlets throughout Jakarta and West Java.

Pandi Gadai App Features
🔵 Check your appraisal online quickly and easily!
🔵 Book online in just 1 minute, outlets open daily until 9:00 PM WIB
🔵 Pawned items are disbursed within 15 minutes
🔵 You can extend your pawn via the app anytime, 24/7
🔵 Secure pawned items, with 24/7 CCTV coverage, and free insurance
🔵 Responsive service. Customer service is ready to respond within 1 hour!

By pawning your collateral at Pandai Gadai, you'll get:
✅ Low interest and service fees
✅ Pay in installments, renew, or redeem via cash at the branch or transfer
✅ Protect all customer personal information
✅ No BI Checking and no debt collectors

📱 Phone or Laptop Pawn Information:
Minimum Repayment Period: 61 days (Three Extensions)
Maximum Repayment Period: 180 days (Six Extensions)
Monthly interest rate: 10%
Maximum APR: 60% per annum

Phone or Laptop Pawn Simulation:
Loan Amount: IDR 2,000,000
Term: 90-Day Tenor
Admin Fee & Insurance: Free
Monthly Interest: 10% x IDR 2,000,000 = IDR 200,000 deducted upfront
Net Disbursement Amount: Loan Amount - Interest = Rp1,800,000
Monthly Extension Fee = 10% x Rp2,000,000 = Rp200,000 paid monthly
Total Repayment: Loan Amount = Rp2,000,000

🥇 Gold Pawn Information:
Minimum Repayment Period: 61 days
Maximum Repayment Period: 120 days
Monthly Interest Rate: 3.2%
Maximum APR: 38.4% per annum

Gold Pawn Simulation:
Loan Amount Rp2,000,000
Admin Fee: Rp20,000
Loan Tenor: 120 Days
Net Disbursement Amount (Loan Amount - Admin Fee): Rp1,980,000
Service Fee per 7 Days: 0.8% x 2,000,000 = Rp16,000
Total Service Fee after 120 days = IDR 256,000
Total loan repayment for 120 days (Loan Amount + Service Fee) = IDR 2,000,000 + IDR 256,000 = IDR 2,256,000

🛵 Motorcycle BPKB Pawn Information:
Minimum Disbursement: IDR 2,000,000
Minimum Repayment Period: 180 days (6 months)
Maximum Repayment Period: 1440 days (48 months)
Flat monthly interest rate: from 1.8% to 3%
Maximum APR: 36% per annum

Motorcycle BPKB Pawn Simulation:
Net Disbursement Amount: IDR 10,000,000
Term: 12 months
Flat monthly interest: 1.8%
Total Interest Calculation: IDR 10,000,000 x 12 months x 1.8% = Rp2,160,000
Total Loan Calculation: Rp10,000,000 + Rp2,160,000 = Rp12,160,000
Monthly Principal Installment: Rp12,160,000 / 12 months = Rp1,013,333

🚗 Car Title Loan Information:
Minimum Disbursement: Rp10,000,000 - Rp25,000,000
Minimum Repayment Period: 360 days (12 months)
Maximum Repayment Period: 1440 days (48 months)
Flat monthly interest rate: from 0.83% to 2.25%
Maximum APR: 27% per annum

Car Title Loan Simulation:
Net Disbursement Amount: Rp100,000,000
Term: 24 Months
Flat interest rate per month: 0.83%
Total Interest Calculation: Rp100,000,000 x 24 months x 0.83% = Rp19,920,000
Total Loan Calculation: Rp100,000,000 + Rp19,920,000 = Rp119,920,000
Monthly principal installment: Rp119,920,000 / 24 months = Rp4,996,666

Pawning services for motorcycles and cars at Pandai Gadai partner with various trusted financing companies (multifinance/leasing companies), licensed and supervised by the Financial Services Authority. The interest rate depends on the tenor, disbursement amount, and the leasing company chosen by the customer.

--
Download the Pandai Gadai app now, pawn your items instantly, and enjoy the convenience and security of Pandai Gadai's pawn service!

For more information, contact us at:
📞 Customer Service: +62 857-1532-2146
📧 Email: [email protected]
💻 Website: https://pandaigadai.com/

Follow our social media:
Facebook: Pandai Gadai
Instagram: pintargadai
TikTok: pintargadai
YouTube: Pandai Gadai
Twitter: pintargadai