Dompet Cerdas

Dompet Cerdas is an online loan intermediary service platform that operates legally in accordance with the regulations of the Financial Services Authority (OJK). This application is not a loan provider, but rather connects users with official financial institutions registered and supervised by the OJK. Through these partners, users can find loan products ranging from IDR 1,000,000 to IDR 15,000,000, without collateral and with a fast process.

Disclaimer
Wallet Cerdas does not disburse funds directly and does not provide any guarantee of approval. All loan decisions are determined solely by the collaborating financial institutions. Be sure to read the terms, conditions, and fee details of each partner before applying.

Wallet Cerdas Advantages
· Legal & Safe – Only works with licensed and OJK-supervised financial institutions.
· Clear Information – Detailed interest rates, fees, and tenors are displayed transparently.
· Convenient Process – Fast online application, product matching is done automatically.
· Optimal Support – Our partners provide responsive customer service.

Partner Product Information
· Loan limit: IDR 1,000,000 – IDR 15,000,000
· Term: 120 – 150 days
· Maximum Annual Percentage Rate (APR): 14.6%
· No hidden fees: All fees are listed before application.

Loan Simulation (example)
If you borrow IDR 5,000,000 with an APR of 14.6% and a term of 120 days, then:
· Daily interest: 14.6% ≈ 0.04%
· Estimated total interest: IDR 5,000,000 × 0.04% × 120 ≈ IDR 240,000
· Total repayment: IDR 5,240,000
Note: The calculation is for illustrative purposes only. Actual details are subject to the partner's policies.

Application Requirements
· Original, valid ID card
· Minimum age 18 years
· Have a steady income
· Own bank account

Data Protection
Smart Wallet maintains the confidentiality of all user information. Data is only used for verification, eligibility assessment, and loan product matching. The entire process is encrypted and not shared without user consent. The full privacy policy is available within the app.