If you’ve ever worried that your personal data might be misused by online loan apps, you’re not alone. Many people wonder: Can I delete my KTP data from a loan app? and Does deleting the app actually erase my data?
While legal lending platforms regulated by Indonesia’s Financial Services Authority (OJK) are generally safe, the rise of illegal loan apps (pinjol ilegal) has created real risks of identity theft and data abuse.
This article explains why loan apps ask for your KTP, how to tell legal vs. illegal apps, and the most effective ways to delete your KTP data from loan platforms—plus tips to prevent digital fraud.
Why Loan Apps Require KTP
Online lending apps require a KTP (Indonesian ID card) to verify your identity and prevent fraud. For the company, it’s part of the Know Your Customer (KYC) process—ensuring that the borrower is a real person.
For users, it’s important to understand that sharing your KTP is only safe with platforms officially registered and supervised by OJK.
If you share your data with illegal loan apps, your personal details could be misused, sold, or even spread online.
Legal vs. Illegal Loan Apps
Before deleting your KTP data, identify whether your loan app is legal or not.
1. Legal Loan Apps (Supervised by OJK):
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Registered and monitored by OJK (you can check on the official OJK website).
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Have clear contact information and physical addresses.
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Use verified, lawful data processes.
2. Illegal Loan Apps:
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Not listed in OJK’s database.
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Often use threats and intimidation in debt collection.
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Request full phone access—contacts, photos, GPS, etc.
Check your app’s status through OJK’s official channels: Kontak OJK 157 or the CEKDAFTAR feature.
The Dangers of Using Illegal Loan Apps
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Sky-high interest rates: Calculated daily and non-transparent.
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Data misuse: Photos, contacts, and even chat history can be exploited or sold.
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Blacklist risk: Unpaid debts from illegal apps may affect your credit reputation.
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No legal protection: Because they’re unregistered, you can’t file a legitimate complaint or claim.
How to Delete Your KTP Data from Loan Apps
Even legal loan companies store user data for documentation and security, but leaks and misuse can still happen.
Here’s how to safely remove your personal data:
1. Delete Your Account and App Data
Go to the loan app’s Settings → Account → Delete Account (or similar). Confirm the deletion.
Then, clear residual data on your phone:
Settings → Apps → [Loan App] → Clear Data & Cache → Uninstall.
2. Contact Customer Service
If there’s no “delete account” option, reach out to the company’s official customer support via email or chat.
Request complete deletion of your KTP and personal data from their system.
Use only official domains (avoid Gmail/Yahoo addresses pretending to be loan companies).
3. Report to OJK
If the company refuses or ignores your request, report it to OJK:
📩 Email: konsumen@ojk.go.id
🌐 Website: konsumen.ojk.go.id
☎️ Hotline: 157
Attach details like company name, screenshots, and your deletion request proof.
4. Detect and Prevent Data Leaks
Use trusted digital identity protection solutions like VIDA to monitor, verify, and secure your data.
VIDA provides:
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Liveness Detection: Prevents fake or deepfake identity use.
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FaceToken & PhoneToken: Passwordless login that prevents account theft.
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Real-Time Fraud Detection: Detects fake IDs or suspicious activity instantly.
VIDA complies with ISO 27001, PKI standards, and Indonesia’s Electronic Transactions (UU ITE) and Data Protection Law (UU PDP), ensuring your digital data remains secure.
Deleting your KTP data from online loan apps isn’t just about digital cleanup—it’s about protecting your identity and financial safety.
If you’re a fintech or lending business, using secure verification and fraud detection tools like VIDA helps ensure customer data protection and compliance.
Visit vida.id to learn how VIDA can secure your verification and authentication process today.
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