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Perbedaan Kredit Tanpa Agunan dan Pinjaman Online

Belakangan ini, fenomena teknologi sedang marak, khususnya dalam Financial Technology (Fintech). Bayangkan saja jika Anda mengajukan pinjaman lewat smartphone Anda, dan Anda langsung diberi keputusan pinjaman jika disetujui atau tidak. Dan jika disetujui, dana akan langsung masuk rekening Anda saat itu juga.
Tentunya ini adalah pengalaman yang berbeda dengan pengalaman meminjam di bank yang pernah Anda lakukan. Pinjaman online memang menarik karena fitur yang berbeda dengan Kredit Tanpa Agunan yang biasa digunakan oleh masyarakat.
Berikutlah perbedaanya agar Anda bisa melihat alternatif selain produk kredit yang ditawarkan oleh bank sleama ini.
Offline vs Online
Ini perbedaan yang jelas diantara kedua layanan. Saat megajukan KTA, Anda harus datang ke cabang bank dan bertemu dengan penjual. Anda harus memberikan dokumen secara fisik, bertemu dan betatap muka dengan pihak bank dan menanda tangan dokumen secara langsung.
Dapat dikatakan bahwa proses mengajukan Kredit Tanpa Agunan adalah melalui 100% offline. Misalkan mengajukan melalui website pun calon nasabah harus tetap hadir ke kantor cabang dan bertemu dengan pihak bank.
Pinjaman online Fintech dapat melewati proses online ini, Anda cukup mrengajukan pinjaman di aplikasi Fintech dan akan dilanjutkan dengan proses secara online.
Kecepatan dan Kemudahan
Proses pinjaman KTA paling cepat dapat dicarikan setelah 1 minggu setelah kelengkapan dokumen terverifikasi. Sementara dalam proses online dapat dilakukan jauh lebih cepat, dimana pinjaman dapat cair dalam hitungan jam atau bahkan detik. Fintech memang mengunggulkan fitur kecepatan sebagai kelebihan utamanya, dan akan menawarkan pengalaman yang berbeda dalam segi kecepatan pinjaman.
Syarat meminjam di KTA tergolong banyak dan ribet, namanya juga mau pinjam. Begitulah mindset yang yang kita sudah terbiasa. Tetapi, Fintech hadir dengan persyaratan yang lebih mudah dibandingkan dengan bank. Hanya memerlukan KTP dan foto (selfie pun juga bisa!).
Bunga
Dalam hal bunga, KTA bank memang lebih unggul, karena lebih murah dibandingkan pinjaman online. Ini memang wajar karena bank unggul dalam kemampuan meghimpun dana masyarakat, yang bunga depositonya tidak mencapai 6%.
Fintech lebih mengandalkan dana dari investor dan juga P2P, karena itu biaya dananya lebih mahal dibandingkan bank, dan bunga pinjaman online juga juga diatas bunga bank.

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