--- title: "Check an online lender through OJK FIND" canonical: https://panduanwarga.org/en/guides/check-online-lender-ojk/ language: en category: "Everyday money" reviewed: 2026-10-01 modified: 2026-10-01 publisher: "Panduan Warga (independent; not a government website)" reviewed-by: "Kaiser Khan (https://panduanwarga.org/en/about/kaiser-khan/)" --- # Check an online lender through OJK FIND **How do I check whether an online lender (pinjol) is licensed by OJK?** Check the lender in OJK’s Financial Institutions Directory (FIND). Match the legal entity and official channels to the app or offer. A company’s licence does not prove that every account using its name is genuine, or that a loan is affordable for you. As of 30 June 2026, 94 online lending (P2P) platforms were licensed by OJK; you can also check a licence through OJK’s contact line 157 or WhatsApp 081 157 157 157. ## What you need to check whether an online lender is licensed - The app/brand name, legal company name and offered website address. - Screenshots and contact details of any questionable offer. - Direct access to find.ojk.go.id; information can be viewed without user registration. ## How to check whether an online lender is licensed 1. **Open OJK’s directory.** Use find.ojk.go.id. An OJK logo in an advertisement is not sufficient proof of authorisation. 2. **Search the company.** Use the legal entity name. A brand can differ from the registered company name. 3. **Compare the profile and channels.** Review available licence information and official contacts. Stop the application if the entity or contact channel does not match. 4. **Clarify uncertain results.** Check spelling and ask OJK rather than guessing. FIND help lists find@ojk.go.id and helpdesk@ojk.go.id for directory-information issues. 5. **Read the terms and affordability.** Consider principal, interest or economic benefits, charges, term, penalties and risks. Compare repayments with the household budget. 6. **Keep evidence and report problems.** Record the company, check date and offer. Suspected illegal financial activity can go to SIPASTI; transaction fraud calls for the payment provider and IASC. ## How much it costs to check whether an online lender is licensed Checking a licence is free. Under OJK Circular 19/SEOJK.06/2025, the maximum economic benefit (interest and fees) on consumer online loans is 0.3% a day for terms up to 6 months and 0.2% a day for longer terms; productive loans up to Rp50 million are capped at 0.275% a day (up to 6 months) and 0.1% a day (longer), and productive loans above Rp50 million at 0.1% a day. Late fees have their own caps. Charges above these limits are a warning sign. ## Make three separate checks First, is the financial entity authorised? Second, is this particular offer or contact authentic? Third, does the loan fit your circumstances? A directory result assists with the first question, verified channels with the second, and the contract and budget with the third. For example, the company may appear in FIND while an offer asks you to move to an unrelated private account. Record the mismatch and contact the verified company channel before sending documents or money. ## Things to check carefully - Do not rely only on an old lender list. - Similar names and logos do not verify an app or contact. - Never share an OTP, PIN, password or device access with an unverified contact. ## Frequently asked questions ### Can I use FIND without an account? Yes, its help states that registration is not required to access information. Maintenance may affect availability. ### Is an authorised lender necessarily suitable? No. Review the purpose, total payment obligations and affordability. Authorisation is not a product recommendation or risk-free guarantee. ### Where do I report suspected illegal lending? Use sipasti.ojk.go.id for suspected illegal financial activity and iasc.ojk.go.id for financial transaction fraud. Retain supporting evidence. ### How many legal online lenders does OJK list now? 94 licensed online lending (P2P) platforms as of 30 June 2026, according to the OJK directory. The list is updated regularly; use the latest directory or OJK contact line 157 to confirm the app and company name. ### What is the maximum daily rate for a legal online loan? For consumer loans, at most 0.3% a day (terms up to 6 months) or 0.2% a day (longer), under OJK Circular 19/SEOJK.06/2025. OJK also treats borrowing from more than 3 platforms at once as unhealthy lending. ## Official sources 1. [OJK — Financial Institutions Directory (FIND)](https://find.ojk.go.id/) (accessed 2026-09-19) 2. [OJK FIND — Bantuan dan ketentuan akses](https://find.ojk.go.id/FAQ) (accessed 2026-09-19) 3. [OJK — Pahami manfaat, biaya, dan risiko sebelum meminjam](https://ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-OJK-dan-Bareskrim-Polri-Sepakat-Berantas-Fintech-Peer-To-Peer-Lending-Ilegal-dan-Investasi-Ilegal.aspx) (accessed 2026-09-19) 4. [OJK — Booklet Waspada Penipuan, Agustus 2026](https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Booklet-Waspada-Penipuan-Scam-OJK.aspx) (accessed 2026-09-19) 5. [OJK — Peringatan aktivitas keuangan ilegal, September 2026](https://ojk.go.id/id/berita-dan-kegiatan/info-terkini/Pages/Satgas-PASTI-Terima-25-Ribu-Pengaduan-Aktivitas-Keuangan-Ilegal-dan-IASC-Berhasil-Blokir-Dana-Terkait-Scam-Rp-724-Miliar.aspx) (accessed 2026-09-19) 6. [OJK: direktori LPBBTI Juni 2026 (94 penyelenggara berizin)](https://ojk.go.id/id/kanal/iknb/data-dan-statistik/direktori/fintech/Pages/Direktori-Layanan-Pendanaan-Bersama-Berbasis-Teknologi-Informasi-Juni-2026.aspx) (accessed 2026-10-01) 7. [OJK: SEOJK 19/SEOJK.06/2025 tentang penyelenggaraan LPBBTI](https://ojk.go.id/id/regulasi/Pages/SEOJK-19-SEOJK06-2025-Penyelenggaraan-LPBBTI.aspx) (accessed 2026-10-01) ## Related guides - [Apply for bank loans and credit cards in Indonesia](https://panduanwarga.org/en/guides/bank-loans-and-credit-cards/) - [Personal data leaked or misused in Indonesia: what to do if someone uses your NIK or KTP photo](https://panduanwarga.org/en/guides/personal-data-leak/) - [Investment scams in Indonesia: warning signs, checking legality and reporting](https://panduanwarga.org/en/guides/investment-scams/) --- Source: Panduan Warga, https://panduanwarga.org/en/guides/check-online-lender-ojk/ (reviewed 2026-10-01). General information, not legal or financial advice; current agency rules take precedence.