PinjamanGo 现金贷数据 API
PinjamanGo-Pinjaman Uang cepat 是 PT. Dana Pinjaman Inklusif 的 Android 现金贷客户端。该公司为 Sinarmas 集团子公司,持有印尼金融服务管理局(OJK)牌照 KEP-124/D.05/2019,总部位于雅加达中区 Jl. Fachrudin No.19 的 Menara Tekno 7 层。借款人可申请 200 万至 600 万印尼盾、期限 91–120 天的现金贷,公布年利率上限 15%,完成 KTP 电子 KYC 与活体识别,选择放款银行,通过虚拟账户还款,结清后可复贷。短信与 WhatsApp OTP、Privy 电子签、优惠券和额度成长轨道同在首页。Google Play 评分 4.59(706,927 条评价);客服 021-30033039 / WhatsApp 0817172367。该应用与 Easycash、Tunaiku、Kredivo 争夺同一批印尼 pinjaman online 用户。
KTP OCR 把 identity 对照 ocrIdentity、把 realName 对照 ocrRealName,并带 faceCompareScore、isCompleteEkyc 与紧急联系人 userContactList。现金贷报价公布 loanAmountMin / loanAmountMax、periodDay,试算再拆 ppnAmount、totalInterestAmount、totalServiceAmount 与优惠券 reducedAmount。
复贷账本列出 canBorrow、到期 dueRepayAmount 与 dueDays;还款签发银行 vaCode 及 expireTime、bankCode。额度成长把 baseCreditLimit 推向 nextCreditLimit 与 maxCreditLimit,并带 progressPercent 与 riskRating。催收与放贷中台用这些字段做 VA 匹配和额度监控;openData Studio 把同一面转化为可调用的开放数据。
应用截图
API 端点一览
以下端点与请求/响应示例均依据应用界面推导重构,为示意说明,并非实际抓包。
OTP 登录签发 token
POST
/v1/session/otp/verifyosint用 mobile、verifyCode 与 channelName(短信或 WhatsApp)换取会话 token、register、thirdLoginStatus。后续调用把 token 放进 Authorization 头。外层为 code/msg/data,成功 code=200。
认证方式: 登录前调用。请求体 mobile、verifyCode、channelName。返回会话 token,供后续调用放入 Authorization 头。
- mobile
- verifyCode
- channelName
- token
- register
- thirdLoginStatus
- code
- msg
POST /v1/session/otp/verify HTTP/1.1 Content-Type: application/json { "mobile": "081234567890", "verifyCode": "483920", "channelName": "whatsapp" }{ "code": 200, "msg": "OK", "data": { "token": "tok_demo_7c41d9e2", "register": true, "thirdLoginStatus": "bound" } }已登录用户资料
POST
/v1/account/meopendata返回已登录借款人的账户记录:userId、mobile、userName、faceChannel、isNewUser、hasPwd、hasLoanOrder、hasRegisterCoupon、registerTimestamp、registerResource。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- userId
- mobile
- userName
- faceChannel
- isNewUser
- hasRegisterCoupon
- hasPwd
- hasLoanOrder
- registerCoupon
- registerTimestamp
- registerResource
POST /v1/account/me HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "userId": 10086001, "mobile": "081234567890", "userName": "Budi Santoso", "faceChannel": "partner_a", "isNewUser": false, "hasRegisterCoupon": true, "hasPwd": true, "hasLoanOrder": true, "registerCoupon": null, "registerTimestamp": 1729123200000, "registerResource": "organic" } }首页贷款状态
POST
/v1/dashboard/loan-stateopenfinance加载首页贷款闸门:canEnterReborrowPage、嵌套 homeUserInfo.profileOrderTag、homeStatus、在途 orderId、profileStatus、retryStatus、profileCountDownTime、showUserFeedbackPopup、nextLoanTime。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- canEnterReborrowPage
- homeUserInfo
- profileOrderTag
- homeStatus
- orderId
- profileStatus
- retryStatus
- profileCountDownTime
- showUserFeedbackPopup
- nextLoanTime
POST /v1/dashboard/loan-state HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "canEnterReborrowPage": true, "homeUserInfo": { "profileOrderTag": "REPEAT" }, "homeStatus": 3, "orderId": 77881234, "profileStatus": 2, "profileJson": null, "retryStatus": 0, "profileCountDownTime": 0, "showUserFeedbackPopup": false, "nextLoanTime": 1730390400000 } }现金贷产品报价
POST
/v1/offers/cash/quoteopenfinance返回现金贷报价:productId、介于 loanAmountMin 与 loanAmountMax 的 loanAmount、nextMaxLoanAmount、periodDay、repaymentAmount、electronicState、cutRate、stageNum、stagePeriodDays、productCategoryCode。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- productId
- orderId
- loanAmount
- loanAmountMin
- loanAmountMax
- nextMaxLoanAmount
- periodDay
- electronicState
- repaymentAmount
- productType
- cutRate
- stageNum
- stagePeriodDays
- productCategoryCode
POST /v1/offers/cash/quote HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "orderId": "77881234", "productCategoryCode": "CASH" }{ "code": 200, "msg": "OK", "data": { "productId": 9001, "orderId": 77881234, "loanAmount": 4000000, "loanAmountMin": 2000000, "loanAmountMax": 6000000, "nextMaxLoanAmount": 6000000, "periodDay": 91, "electronicState": 1, "repaymentAmount": 4520000, "productType": 1, "rightsGroupAmount": 0, "rightsGroupId": 0, "cutRate": 0.0, "rights": [], "rightsType": 0, "stageNum": 1, "stagePeriodDays": 91, "productCategoryCode": "CASH" } }分期试算
POST
/v1/offers/cash/simulateopenfinance按所选金额给出还款预览:periodDay、增值税 ppnAmount、totalInterestAmount、totalServiceAmount、userAmount、优惠券 reducedAmount,以及 repayPlanSubExpectLit 行(expectNum、dayNum、interest、serviceFee、repayTime)。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- periodDay
- ppnAmount
- repayPlanSubExpectLit
- totalAmount
- totalInterestAmount
- totalServiceAmount
- userAmount
- loanAmount
- electronicAmount
- serviceAmount
- couponType
- reducedAmount
- rightsAmount
- rightsRate
POST /v1/offers/cash/simulate HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "productId": 9001, "orderId": 77881234, "selectAmount": 4000000, "userBankId": 33001, "userCouponId": 44001, "productCategoryCode": "CASH" }{ "code": 200, "msg": "OK", "data": { "periodDay": 91, "ppnAmount": 44000, "repayPlanSubExpectLit": [ { "amount": 4000000, "amountReduced": 50000, "dayNum": 91, "expectNum": 1, "interest": 136000, "interestReduced": 0, "ppn": 44000, "repayTime": 1738368000000, "serviceFee": 340000, "totalAmount": 4470000, "serviceAmount": 340000 } ], "totalAmount": 4470000, "totalInterestAmount": 136000, "totalServiceAmount": 340000, "userAmount": 4000000, "loanAmount": 4000000, "electronicAmount": 0, "serviceAmount": 340000, "couponType": "REDUCE", "reducedAmount": 50000, "rightsAmount": 0, "rightsRate": 0.0 } }KTP 电子 KYC 资料
POST
/v1/identity/profileopendata读取借款人 KYC 资料:isCompleteEkyc、KTP identity 对照 ocrIdentity、realName 对照 ocrRealName、faceCompareScore、npwp、liveAddress、job、monthlyIncome、loanPurpose、whatApp,以及 userContactList(name、mobile、relationship)。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- isCompleteEkyc
- identity
- realName
- ocrIdentity
- ocrRealName
- faceCompareScore
- faceLiveScore
- npwp
- liveAddress
- postcode
- job
- monthlyIncome
- loanPurpose
- whatApp
- userBankId
- userContactList
POST /v1/identity/profile HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "isCompleteEkyc": true, "identity": "3174010101900001", "realName": "Budi Santoso", "ocrIdentity": "3174010101900001", "ocrRealName": "BUDI SANTOSO", "faceCompareScore": "92.4", "faceLiveScore": "0.98", "npwp": "10.0.0.1-012.000", "liveAddress": "Jl. Merdeka No.10", "postcode": "10110", "job": "Karyawan", "monthlyIncome": "8000000", "loanPurpose": "Modal usaha", "whatApp": "081234567890", "userBankId": 33001, "userId": 10086001, "profileStatus": 2, "userContactList": [ { "name": "Siti", "mobile": "081298765432", "relationship": "SPOUSE" } ] } }KTP OCR 识别
POST
/v1/identity/id-card/scanopendata返回从 KTP 照片读出的文字:id、name、birthday、address、ocrCode 与 nextChannel(通常接活体)。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- id
- name
- birthday
- address
- ocrCode
- nextChannel
POST /v1/identity/id-card/scan HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "id": "3174010101900001", "name": "BUDI SANTOSO", "birthday": "1990-01-01", "address": "JL MERDEKA NO 10 JAKARTA PUSAT", "ocrCode": 0, "nextChannel": "face" } }确认现金贷订单
POST
/v1/loans/commitopenfinance提交 productId、userBankId、tokenKey、amount、interestAmount、userCouponId、productCategoryCode,锁定现金贷订单并返回 orderId。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- productId
- userBankId
- tokenKey
- amount
- interestAmount
- userCouponId
- productCategoryCode
- orderId
POST /v1/loans/commit HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "productId": 9001, "userBankId": 33001, "tokenKey": "<confirm_token>", "amount": 4000000, "interestAmount": 136000, "userCouponId": 44001, "productCategoryCode": "CASH" }{ "code": 200, "msg": "OK", "data": { "orderId": 77881234 } }复贷账本
POST
/v1/loans/repeat/overviewopenfinance加载借款人的复贷账本:canBorrow,以及 orderList 行(loanAmount、orderId、repayAmount、repayTime、status、showRepayButton、dueDays)和 dueSummary(dueOrderCount、dueRepayAmount、maxDueDays)。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- canBorrow
- orderList
- loanAmount
- orderId
- repayAmount
- repayTime
- status
- showRepayButton
- dueDays
- dueSummary
- dueOrderCount
- dueRepayAmount
- maxDueDays
POST /v1/loans/repeat/overview HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "canBorrow": false, "orderList": [ { "loanAmount": "4000000", "orderId": 77881234, "repayAmount": "4470000", "repayTime": 1738368000000, "status": 2, "retryStatus": 0, "showRepayButton": true, "dueDays": 5 } ], "dueSummary": { "dueOrderCount": 1, "dueRepayAmount": "4470000", "maxDueDays": 5, "orderId": 77881234, "orderRepaymentAmount": "4470000" }, "d3Summary": null, "quickVaSummary": null, "msg": "" } }还款明细
POST
/v1/repayments/breakdownopenfinance按 orderId 返回还款明细:principalAmount、interestAmount、ppnAmount、serviceFeeAmount、repaymentAmount、overdueInterestAmount、reduceAmount、isFullySettled 与可选 banks。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- principalAmount
- interestAmount
- ppnAmount
- serviceFeeAmount
- repaymentAmount
- overdueInterestAmount
- reduceAmount
- electronicAmount
- isFullySettled
- orderId
- banks
POST /v1/repayments/breakdown HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "orderId": "77881234" }{ "code": 200, "msg": "OK", "data": { "banks": [ { "bankCode": "BCA", "bankName": "BCA" } ], "electronicAmount": "0", "interestAmount": "136000", "orderId": 77881234, "overdueInterestAmount": "0", "ppnAmount": "44000", "principalAmount": "4000000", "reduceAmount": "50000", "repaymentAmount": "4470000", "serviceFeeAmount": "340000", "userId": 10086001, "isFullySettled": false, "fullySettledOrderId": null, "details": [] } }固定虚拟账户码
POST
/v1/repayments/va/issueopenbanking为还款签发虚拟账户:按 orderId、isFullySettled、totalAmount 与可选 couponId 返回 amount、bankCode、expireTime、vaCode、repaymentCodeInfoId、repaymentCodeMappingId。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- orderId
- bankCode
- isFullySettled
- totalAmount
- couponReduceAmount
- couponId
- amount
- expireTime
- vaCode
- repaymentCodeInfoId
- repaymentCodeMappingId
POST /v1/repayments/va/issue HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "orderId": 77881234, "bankCode": "BCA", "isFullySettled": "false", "totalAmount": "4470000", "couponReduceAmount": 50000, "couponId": 44001, "details": [] }{ "code": 200, "msg": "OK", "data": { "amount": 4470000, "bankCode": "BCA", "expireTime": 1730500000000, "repaymentCodeInfoId": 551, "repaymentCodeMappingId": 8821, "vaCode": "8808123456789012" } }放款银行卡列表
POST
/v1/payout-accounts/listopenbanking按 status 列出借款人的银行卡:userBankId、bankCard、bankCoding、bankName、bankType、isDefault、state;所选 userBankId 在提交订单时传入。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- status
- userBanks
- userBankId
- userId
- bankCard
- bankCoding
- bankName
- bankType
- isDefault
- state
POST /v1/payout-accounts/list HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "status": 1 }{ "code": 200, "msg": "OK", "data": { "userBanks": [ { "userBankId": 33001, "userId": 10086001, "bankCard": "8812345678", "bankCoding": "CENAIDJA", "bankName": "BCA", "bankType": 1, "callBackCode": null, "ctime": 1729123200000, "isDefault": 1, "state": 1 } ] } }优惠券钱包
POST
/v1/promotions/walletopendata返回借款人的 couponList:couponName、couponType、discountType、amount、limitAmount、expireTime、status、available、postingMethod;所选 id 随后作为 userCouponId 传入。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- couponList
- id
- available
- couponName
- couponType
- discountType
- amount
- limitAmount
- expireTime
- status
- postingMethod
POST /v1/promotions/wallet HTTP/1.1 Content-Type: application/json Authorization: <session_token> {}{ "code": 200, "msg": "OK", "data": { "couponList": [ { "id": 44001, "available": true, "couponName": "New user reduce", "couponType": "REGISTER", "discountType": "AMOUNT", "discount": "50000", "amount": "50000", "limitAmount": "2000000", "enabled": true, "receiveTime": 1729123200000, "effectiveTime": 1729123200000, "expireTime": 1731715200000, "usedTime": null, "status": 1, "postingMethod": "AUTO" } ] } }额度成长进度
POST
/v1/limit/progressopenfinance按 orderId 返回额度成长:progressPercent、clearedPeriodNum、baseCreditLimit、nextCreditLimit、maxCreditLimit、trend、riskRating。
认证方式: OTP 验证调用返回的会话 token 放在 Authorization 头。请求体在签名后可能包进加密信封(加密密钥、payload、iv、tag、version)。
- userId
- orderId
- progressPercent
- clearedPeriodNum
- baseCreditLimit
- nextCreditLimit
- maxCreditLimit
- trend
- riskRating
POST /v1/limit/progress HTTP/1.1 Content-Type: application/json Authorization: <session_token> { "orderId": 77881234 }{ "code": 200, "msg": "OK", "data": { "userId": 10086001, "orderId": 77881234, "progressPercent": 40, "clearedPeriodNum": 1, "baseCreditLimit": "2000000", "nextCreditLimit": "4000000", "maxCreditLimit": "6000000", "trend": "UP", "riskRating": "B" } }
数据类别
- KYC 资料
- 现金贷产品
- 分期试算
- 贷款订单
- 还款计划
- 虚拟账户码
- 银行卡
- 优惠券
- 额度成长
数据使用场景与案例
KTP 电子 KYC 核对
进件台把 identity 对照 ocrIdentity、realName 对照 ocrRealName,再按 isCompleteEkyc、faceCompareScore 与 userContactList 决定是否放款。
虚拟账户还款匹配
催收拉取 repaymentAmount、principalAmount、overdueInterestAmount,再把入账匹配到 vaCode、bankCode 与 expireTime。
额度成长监控
风控跟踪 progressPercent 与 clearedPeriodNum,观察 baseCreditLimit 迈向 nextCreditLimit、maxCreditLimit 以及 riskRating。
优惠券与增值税试算对账
财务在确认订单前把试算 ppnAmount、totalInterestAmount、reducedAmount 与 couponList 的 amount、limitAmount、expireTime 核对。
常见问题
登录后 PinjamanGo 暴露哪些借款人记录?
已登录会话返回账户记录(userId、mobile、hasLoanOrder),KTP 身份资料(identity、ocrIdentity、realName、ocrRealName、faceCompareScore、isCompleteEkyc),现金贷报价(loanAmountMin、loanAmountMax、periodDay),试算拆分(ppnAmount、totalInterestAmount、reducedAmount),复贷行(canBorrow、dueDays、dueRepayAmount),固定虚拟账户(vaCode、bankCode、expireTime),以及额度成长(baseCreditLimit、nextCreditLimit、maxCreditLimit、riskRating)。
Android 客户端如何鉴权?
OTP 登录提交 mobile、verifyCode 与 channelName(短信或 WhatsApp),收到会话 token 以及 register、thirdLoginStatus。后续调用把 token 放进 Authorization 头,部分请求体会包进加密信封,含加密密钥、payload、iv、tag、version。
现金贷如何还款?
复贷账本列出 orderId、repayAmount、dueDays;还款明细拆 principalAmount、interestAmount、ppnAmount、serviceFeeAmount;虚拟账户接口再按所选银行签发 vaCode、bankCode、amount、expireTime。
哪些字段跟踪还款后的提额?
额度成长接口按当前 orderId 返回 progressPercent、clearedPeriodNum、baseCreditLimit、nextCreditLimit、maxCreditLimit、trend、riskRating。
与 PinjamanGo-Pinjaman Uang cepat 相似的应用
- Easycash - Pinjaman Daring — Easycash 是持 OJK 牌照的印尼无抵押现金贷应用,额度 10 万至 1 亿印尼盾、期限 3–12 个月,公布最高年化利率 36%。
- Tunaiku - Pinjaman Dana Online — Tunaiku 是 PT Bank Amar Indonesia Tbk. 持 OJK 牌照的无抵押现金贷(KTA)应用,放款 200 万至 3,000 万印尼盾,期限 6–30 个月。
- Kredivo - Paylater & Pinjaman — Kredivo 是 PT Kredivo Finance Indonesia 持 OJK 牌照的先买后付与现金贷额度,最高 5,000 万印尼盾,可 30 天一次结清,或按 3–24 期分期。
- Singa Fintech-Digital Loans — Singa Fintech 是 PT Abadi Sejahtera Finansindo 持 OJK 牌照的印尼现金贷应用,公布额度为 110 万至 4,800 万印尼盾,分期期限 91–100 天。
- AdaKami — AdaKami 是持 OJK 牌照的印尼数字现金贷应用,公布额度为 300 万至 8,000 万印尼盾,可按 3、6、12 期还款,最高年化利率 36%。
- JULO — JULO 是受 OJK 监管的印尼数字信贷应用,同一额度最高 5,000 万印尼盾,可提现到银行、充电子钱包、缴账单或先买后付。
- Akulaku — Akulaku 把 30 万至 4,000 万印尼盾现金贷、最高 2,500 万先买后付(PayLater)和商户分期放在同一款印尼应用里,放贷方为持 OJK 牌照的 PT Akulaku Finance Indonesia。
- Home Credit-Pinjaman & Kredit — 印尼 Home Credit 在逾两万家门店为手机、笔记本等商品提供分期,并另有现金融资与先买后付额度,接受 OJK 监管。
相关主题
- PinjamanGo API
- PinjamanGo vaCode
- PinjamanGo loanAmountMax
- PT Dana Pinjaman Inklusif 数据
- 印尼 pinjaman KTP OCR
- PinjamanGo 额度成长
- PinjamanGo ppnAmount
- OJK 网络借贷字段
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