4.3
33.3K reviews
1M+
Downloads
Content rating
Everyone
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About this app

About Pinjam Modal


Pinjam Modal is an application for applying for business capital and employee loans. We help connect people who need unsecured loans with lenders through a fast and easy process.

Pinjam Modal, or PT Finansial Integrasi Teknologi, is a subsidiary of PT BFI Finance Indonesia, Tbk., one of the largest and oldest multifinance companies in Indonesia. Pinjam Modal is licensed and supervised by the Financial Services Authority (OJK) with a license certificate: KEP - 20/D.05/2020, dated June 11, 2020. Pinjam Modal also has ISO 27001 certification in the field of financial aggregator services.

Capital Loan Services


πŸ‘· Employee Loans for Partner Companies

SPECIAL loans for employees of companies partnered with Pinjam Modal.

Product Description:
- Term: 91 Days to 180 Days
- Loan Limit: 1 - 10 million
- Minimum Term: 91 Days
- Interest 1.5%/Month or maximum APR 18%

Employee Loan Simulation
If you borrow Rp 9,000,000 with a 3-month term and 1.5% interest per month, the monthly installments are: the first installment is Rp 3,347,000, and subsequent installments are Rp 3,347,000.

Minimum Requirements for Fast Disbursement Online Loans:
β€’ Indonesian Citizen
β€’ Have a steady income
β€’ Age 21-55
β€’ Have a personal savings account for transfers

How to Apply for a Loan?


1. Register a Pinjam Modal Account
Register or log in easily using your email.

2. Determine Loan Amount and Tenor
Choose your loan amount from 1 million Rupiah to 10 million Rupiah, with a minimum term of 91 days to 180 days.

3. Fill in Your Personal Data
Complete your profile to process your loan. Pinjam Modal will protect and keep your personal data confidential.

4. Loan Decision
Through an integrated system, loan decisions are made in less than 2 hours. Once approved, funds will be transferred to your payroll account.

5. Pay on Time

Installment payments are made through payroll deductions, making it easier for you to manage your finances.

Pinjam Modal maintains the confidentiality of your data. We will not view your contact numbers, SMS messages, photo albums, or other private information. You can use the Pinjam Modal app with peace of mind because Pinjam Modal is ISO 27001 certified in financial aggregator services.

Contact our Customer Service at:
* Email: customer@pinjammodal.id
* Facebook: https://web.facebook.com/pinjammodalindonesia
* Instagram: https://www.instagram.com/pinjammodalid
* Operating Hours: Monday-Friday 9:00-17:00

Official Address:
PT Finansial Integrasi Teknologi
Foresta Business Loft 5 No. 11, Banten Province, Tangerang Regency, Pagedangan District, Lengkong Kulon Village.
Updated on
Nov 26, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.3
33K reviews
Arsa hadiyatama
June 12, 2021
Its a good apps for starting a bussines, its easy to use, the visual is good, and im sure that the developer and the team do their job wellπŸ™ goodluck
36 people found this review helpful
PT Finansial Integrasi Teknologi
June 16, 2021
Hi, Arsa! Thank you for your kind words πŸ™ Please recommend our app to your friends, and don’t hesitate to shoot us a note at customer@pinjammodal.id if you have any questions.
Daniel R Alexander H
February 24, 2021
WOW!! Phenomenal customer support. they are super helpful. i do really appreciate the service and features. i really recommend this app. great job ! thank you, pinjam modal..
33 people found this review helpful
Nanda Dimas Saputra
June 21, 2021
This app is very helpful for people like me who need capital to start a business and very nice UI, easy to apply for a loan, clear from ads, and the most important thing is this app registered with OJK
20 people found this review helpful
PT Finansial Integrasi Teknologi
June 24, 2021
Hi kak Nanda, Thanks for your feedback. Your words give us positive energy to add more features on the app to make your experience better.

App support

About the developer
PT. FINANSIAL INTEGRASI TEKNOLOGI
ferdy.firmandika@fit.id
2Nd Floor Bfi Tower Sunburst Cbd Lot.1.2 Jl. Kapten Soebijanto Djojohadikusumo Kota Tangerang Selatan Banten 15322 Indonesia
+62 822-8532-5347