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Cairin

TKB90:
Diperbarui pada : 2021/7/16

Cairin is a trusted online unsecured loan platform that is licensed and supervised by the OJK. Cairin provides easy multipurpose loans to meet your urgent needs. Cairin prioritizes information security and has achieved ISO certification: ISO/IEC 27001:2013

Our Products


  • Step 1
    Download app and register your mobile number, then select the Borrower role.
  • Step 2
    Review the details of the borrowing cost.
  • Step 3
    Fill in your information, select the loan amount and tenor, then submit the application.
  • Step 4
    After verification is successful, the funds will be credited to your account.
  • Step 1
    Download app and register your mobile number, then select the Lender role.
  • Step 2
    Select the lending product and review the rules and the potential returns of the selected lending product.
  • Step 3
    Select the borrower to lend to, then top up the fund to your lending funds account (RDL), according to the loan nominal amount.
  • Step 4
    After the borrower has paid off the loan, the loan payment and its returns will be transfered to your lending funds account (RDL).

Our Advantages



Easy Application

Just 3 easy steps to complete the loan application process.



Friendly Interest

Friendly interest rates, in accordance with the applicable POJK.




Easy Payment

The loan payment process can be done through a virtual account.




Easy Application

Just 3 easy steps to complete the loan application process.




Friendly Interest

Friendly interest rates, in accordance with the applicable POJK.




Easy Payment

The loan payment process can be done through a virtual account.





User Reviews





Apply for a CAIRIN Online Loan Now!


Get a cash loan online easily, high limit, and low interest as a solution for your urgent needs.


Announcement

  • 1. The Information Technology-Based Co-Funding Service is a civil agreement between the Fund Provider and the Fund Recipient, so that all risks arising from the agreement are fully borne by each party.
  • 2. Credit risk or default and all losses resulting from or related to the loan agreement are fully borne by the donor. No state institution or authority is responsible for the risk of default and loss.
  • 3. The Operator with the approval of each User (Funder and/or Fund Recipient) accesses, obtains, stores, manages and/or uses User's personal data ('Utilization of Data') on or in objects, electronic devices (including smartphones or cellular phone), hardware (hardware) or software (software), electronic documents, applications or electronic systems owned by the User or controlled by the User, by notifying the purpose, limitations and mechanism of Utilization of the Data to the User concerned before obtaining the intended approval.
  • 4. Fund givers who do not have the knowledge and experience of lending and borrowing are advised not to use this service.
  • 5. Fund recipients must consider the loan interest rate and other fees according to their ability to repay the loan.
  • 6. Every fraud is recorded digitally in cyberspace and can be known by the wider community on social media.
  • 7. Users must read and understand this information before making a decision to become a Fund Provider or Fund Recipient.
  • 8. The government, namely in this case the Financial Services Authority, is not responsible for any violation or non-compliance by the User, both the Fund Provider and the Fund Recipient (whether due to the User's intention or negligence) with the provisions of laws and regulations as well as agreements or agreements between the Provider and the Provider Funds and/or Fund Recipients.
  • 9. Every transaction and lending and borrowing activities or implementation of agreements concerning lending and borrowing between or involving Providers, Fund Providers and/or Fund Recipients must be carried out through an escrow account and virtual account as required under the Financial Services Authority Regulation 10/POJK.05/2022 regarding Information Technology-Based Co-Funding Services (LPBBTI) and violation or non-compliance with these provisions is evidence that a violation of law has occurred by the Operator so that the Operator is obliged to bear the compensation suffered by each User as a direct result of the violation of the law mentioned above without reducing the rights Users who suffer losses according to the Civil Code.
  • 10. User/borrower data submitted through the Cairin application will also be reported to the Fintech Data Center (FDC) or Pusdafil.
  • 11. Whereas the Fund Recipient already knows and fully bears the risk of providing the loan;
  • 12. Whereas the Recipient of Funds already knows the risk of losing assets or assets due to default;
  • 13. Whereas the Fund Recipient already knows, considers, and agrees to all applicable interest rates and fees in accordance with the ability to pay off the loan;
  • 14. Whereas Fund Recipients are required to learn basic knowledge about (LPBBTI) before giving loans;
  • 15. That any fraud and illegal actions are fully reported to the Financial Services Authority (OJK) and the general public in accordance with the applicable laws and regulations;
  • 16. Whereas the credit record of the Fund Recipient will be reported periodically to the Financial Services Authority for the benefit of the Fintech Lending Data Center which will be shared with national banking industry players and other financial industries;
  • 17. That the Fund Recipient has read and studied each of the terms and conditions.