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

You know what, I already got this account ever since covid-19 era which blew up around the globe, it was prolly like four or three years ago if I ain't no mistaken and I just learned the app tryna take it seriously for the last three days but turns out the app still runs slow like very very slow which is so annoying plus the fee when I'm about to top up, I just found out it costs me like Rp5.000 in every single transaction. That was quite expensive. So I'm like, OK, I'mma be going back to Antam!

I bought a number of gold worth 1.5 mil in IDR. They have deducted the money from my G-cash account, but I have yet received the amount of gold into the investment account. Customer Service is slow and I have to wait up to 5 days just so that they could validate this. No further update yet. Very dissapointing. This is a scam.

The notification is not real time, already transferred initial saving, but the app said still waiting for my payment, for 3 hours. Panicking at first the decide to contact the CS, it had small window for me to reply, for only 10 minutes, then reset the session again, while they need 5 minutes to reply. Imagine when doing it while working and cant always stand by on your phone. Not a good experience for new user ++ plus add your payment method pls

What’s new

Makin Seru, Dengan Fitur Baru! 🚀

Ada Fitur Deposito Emas – Pilihan Cerdas untuk Masa Depan Finansial Kamu !

Nikmati Layanan ini hanya di Pegadaian Digital !

Malam Minggu waktunya nge-date
Kuy segera update.