Pegadaian Digital

PT Pegadaian (Persero)

About this app

Hi Friends, Pegadaian Digital is an application that provides convenience and comfort for accessing and transacting Pegadaian products digitally. One application at your fingertips to meet your financial and investment needs.

Pawn
Feeling lazy to leave the house? If you want to have your goods delivered or delivered, just use Pawn from Home, or you can also fulfill your financial needs by maximizing your assets such as Gold, Electronics, Vehicles and Stocks.
✦Minimum Tenor = 120 Days
✦Maximum tenor = 36 months (can be extended/redeemed at any time)
✦Minimum capital rental = 1% per 15 days
✦Maximum Capital Rental = 1.2% per 15 Days
✦Maximum Annual Rent = 28.8% per year

Example :
Loan Money: IDR 5,000,000
Total Capital Rent (per 15 days)
1.2% x IDR 5,000,000 = IDR 60,000 (per 15 days)
Total Capital Rent Paid: (Time Period/ 15 Days) x Capital Rent (per 15 days)
(120/ 15 days) x 1.2% = 9.6%
IDR 5,000,000 x 9.6% = IDR 480,000
Total Repayment Payment:
Loan Money + Total Capital Rent (according to term)
IDR 5,000,000 + IDR 480,000= IDR 5,480,000

Gold Bar Installments
Invest in gold from now on. 24K Gold Bar Installments, choose your own collection outlet.
✦Denomination = 0.5 - 25 grams
✦Down payment = 15%
✦Minimum tenor = 3 months
✦Maximum tenor = 36 months
✦Minimum margin = 0.92 % per month
✦Maximum margin = 0.92 % per month
✦Maximum margin = 11.04% per year

Simulation Example:
Denom: 10 Grams
Types of Gold: Gallery 24
Term: 12 Months
Loan Money (Example): IDR 9,000,000
Capital Rent per month (flat):
0.92% x Loan Money
0.92% x IDR 9,000,000
= Rp. 82,000
Principal installments per month:
Loan Money / Term
= IDR 9,000,000 / 12
= Rp. 750,000
Total payment per month:
Principal installments + capital rental
= IDR 750,000 + IDR 82,000
= Rp. 832,000

Gold Savings
Set aside, don't waste, invest in gold from an early age through Gold Savings, you can buy, sell, transfer and print gold without any hassle. If you want to plan for the future or fulfill your needs, use the Gold Plan or Gold Savings Pawn feature
Open Gold Savings = IDR 10,000
Minimum Buy Gold Savings = IDR 10,000
Minimum Buyback = 0.01 gram
Deposit Service Fee = IDR 30,000 per year

Pawn Gold Savings
Minimum Term: 120 Days
Maximum Term: 36 Months*
*Can be redeemed/extended at any time
Minimum Capital Rental: 0.75%% per 15 Days
Maximum Capital Rental: 0.75%% per 15 Days
Maximum Capital Rental: 18% per year
Disbursement Administration: Rp. 2,000 to Rp. 25,000

Example of a Gold Savings Pawn Simulation:
Loan Money: IDR 5,000,000
Capital Rent (per 15 days): 0.75% x IDR 5,000,000 = IDR 37,500 (per 15 days)
Total Capital Rent Paid: (Time Period/ 15 Days) x Capital Rent (per 15 days)
(120/ 15 days) x 0.75% = 6%
IDR 5,000,000 x 6% = IDR 300,000
Total Repayment Payment:
Loan Money + Total Capital Rental Payment (according to term)
IDR 5,000,000 + IDR 300,000= IDR 5,300,000

Due Card and Installment Card features
Anti-late bill payments with a due reminder card and no need to bother calculating the remaining installments because there is an installment card to accompany you.

Gold Price Indicator
No longer need to remember yesterday's price, if you want to know whether the gold price has gone up or down, just look at the gold price indicator.

Security
To log in, just stick your finger or use Face ID because there is a biometrics feature.

Other features:
✦Multi Payment: You can pay this bill and top up your e-wallet here
✦Search for the nearest branch/outlet so you don't get lost.
✦Transaction history so you don't forget yourself.
✦Articles and education so that we can be more confident in investing
✦Pawnshop Points

Don't forget to upgrade your premium account to be able to use all financial transactions, just take a photo of your KTP and give your best smile when taking a selfie.

Warning!!! For security in transactions, please keep your personal data confidential! (Mobile number, email address, OTP code).

Happy transactions using Pegadaian Digital, just from home, you can lie down!
For service/suggestions/technical trouble reports, contact:

Tel: [phone]
WA Chat: 081324432443
E-mail: [e-mail]

Ratings and reviews

Every time I log in, I keep getting a pop-up asking for Persetujuan Data, even though I’ve already clicked "Simpan." It feels like they're forcing users to agree, even though it says it's "Optional", which is super annoying. On top of that, the app is really slow—every time I switch menus, there’s a long loading time that just feels outdated, especially for today's standards.

Please fix your apps. It was slow while load the data, slow login process. And even, the permission to collect data since it was an optional. But it's really annoying cause it frequently pop up and I can't find disagree button.

This dumb system of yours, I can't login anymore to the app. I put in the login details then click login then it says please wait n then gone! Nothing happened after that and I also can't login from your website too for no reason! You should fix this app, we have our money in it!

What's new

Yang Baru Makin Seru
#BisaLebih Mudah Untuk Transaksimu

Apa aja sih yang baru ?
New Pembukaan Tabungan Emas
Customer Rating Tambah Pinjaman
New Dashboard & Penarikan Dipercepat Tabungan Emas Plus
Rekening Koran Tabungan Emas
Help Center
Peningkatan dan perbaikan aplikasi lainnya

Yuk Segera Update versi terbaru 5.9.3
Rasakan Pengalaman transaksi dengan Pegadaian Digital yang semakin seru!