fast-paced digital world, applying for a loan no longer requires standing in long lines or signing a mountain of paperwork. With the rise of online loan applications, getting financial support has never been more convenient. But along with this convenience comes a necessary step that often catches applicants off guard: the call and video verification process.
Whether you’re applying for an emergency loan, business funding, or personal cash boost, understanding how call and video verification works can be the difference between approval and rejection. In this article, we’ll break down what to expect and how to prepare for this crucial step in the online loan application process.
What Is the Call and Video Verification Process?
Simply put, the call and video verification is the lender’s way of making sure that:
- You are who you claim to be (identity verification).
- You truly applied for the loan (fraud prevention).
- You understand the terms of the loan (legal compliance).
It’s a standard procedure used by legitimate and regulated online loan providers, especially those offering fast disbursements with minimal paperwork.
Step 1: The Call Verification
📌 What Happens:
After submitting your loan application online, you may receive a phone call from the lender or their verification team. This usually happens within a few hours or up to 24 hours.
🧾 Common Questions They May Ask:
- Full name and date of birth
- Loan amount and reason for the loan
- Confirmation of your job or income source
- Emergency contact verification
- Clarification on your ID or bank account details
📋 Tips to Prepare:
- Make sure your phone number is reachable and not on silent mode.
- Have your KTP (for Indonesian users) or government-issued ID ready.
- Ensure you understand the loan amount, tenor, and interest rates you agreed to.
- Speak clearly and answer honestly.
Step 2: The Video Call Verification
This is where things get a bit more personal—but don’t worry, it’s simple and usually only takes 3–5 minutes.
📌 What Happens:
A loan officer will request a video call, often through WhatsApp, Zoom, or the lender’s in-app video feature. During this session, you’ll be asked to:
- Show your face clearly on camera.
- Hold up your ID card next to your face.
- Say a confirmation phrase, such as “Saya mengajukan pinjaman sebesar Rp 2 juta dan saya menyetujui syarat dan ketentuan.”
This process is recorded to serve as legal proof that you gave consent for the loan.
📋 Tips to Prepare:
- Be in a well-lit room with a neutral background.
- Ensure your internet connection is stable.
- Dress neatly—even casual wear is fine as long as it’s presentable.
- Have your ID ready, and double-check that it’s not expired or blurry.
- Follow the officer’s instructions calmly and confidently.
Why Is This Step Important?
You might wonder: Why go through all this hassle if it’s an online process?
Here’s why call and video verification are essential:
- ✅ Prevent identity fraud: Verifying visually ensures that no one is pretending to be you.
- ✅ Legal assurance: It’s a digital substitute for your physical signature.
- ✅ Trust building: It shows the lender that you’re serious and cooperative.
- ✅ Security: It protects both you and the lender in case of disputes later on.
Common Mistakes to Avoid
- Missing the call or not responding to messages. This delays the process or may cause automatic rejection.
- Unclear video or poor lighting during video call. Make sure your face and ID are fully visible.
- Providing inconsistent answers. What you say on the phone must match the application you submitted.
- Letting someone else take the video call. Only the applicant must appear—no exceptions.
How Long Does It Take?
- Call verification: 5–10 minutes
- Video call verification: 3–5 minutes
- Overall process: From application to disbursement, if everything checks out, you may receive funds within 24 hours, or even faster with some apps.
Final Checklist Before You Apply
Here’s a quick rundown of what to prepare for a smooth call and video verification:
✅ Valid ID (KTP/passport/SIM)
✅ Smartphone with camera and internet access
✅ Quiet, well-lit space
✅ Understanding of the loan terms
✅ Active phone number and WhatsApp
✅ Honest and clear communication
A Small Step for You, a Big Step Toward Fast Approval
The call and video verification process may feel like a hurdle, but in truth, it’s a simple and quick step that secures your loan journey. It protects your identity, helps build lender trust, and accelerates your chances of getting approved.
Think of it as the modern version of a face-to-face meeting—done digitally, safely, and in minutes. So the next time you’re applying for a loan, don’t be caught off guard. Answer the call. Show up for the video. And unlock the funds you need—quickly and securely.
Need a loan fast? Prepare now, verify with confidence, and watch the money land in your account.
