In today’s fast-paced digital world, getting a loan has never been easier. With just a smartphone, internet connection, and a few personal documents, you can apply for a loan from the comfort of your home. But with the rise of online lending comes a new layer of security—video call verification. If you’re wondering what this process involves, don’t worry. In this article, we’ll walk you through what to expect during your verification session so you can feel confident and prepared.
Why Video Call Verification?
Online loans are fast and convenient, but that also makes them vulnerable to fraud. Scammers often try to misuse other people’s identities. To combat this, many legitimate lenders now use video call verification to ensure that the person applying for the loan is actually who they say they are.
This process benefits both parties:
- For the borrower: It proves your identity quickly, so your loan can be approved faster.
- For the lender: It ensures they’re lending money to a real, verified individual.
What Happens Before the Video Call?
Before your verification session, here’s what typically happens:
- Online Application:
You’ll fill out a short form with your personal information—full name, ID number, employment details, and the amount you want to borrow. - Upload Required Documents:
Most lenders will ask you to upload a clear photo of your KTP (identity card), possibly a selfie, and sometimes additional documents like salary slips or bank statements. - Schedule or Initiate a Call:
Some platforms automatically connect you to an agent after the form submission. Others will ask you to schedule a video call at a time that suits you.
What to Expect During the Video Call
Let’s break down what typically happens during your loan video verification session:
1. Identity Confirmation
- You’ll be asked to hold your KTP (or government-issued ID) close to the camera.
- The agent may ask you to turn it around to show both sides.
- They’ll compare it with your face to ensure a real-time match.
2. Selfie & Movement Test
- The agent may ask you to look left, right, or blink to ensure you’re not using a still image.
- Sometimes they may ask you to say a specific phrase (like your full name or today’s date) for voice and live verification.
3. Question and Answer
You might be asked a few simple questions, such as:
- What’s your full name and date of birth?
- How much loan are you applying for?
- What’s your purpose for this loan?
These are cross-checked with the data you provided earlier.
4. Device Check (Optional)
Some platforms run a background scan to verify if your device or location shows any signs of suspicious activity (e.g., rooted phone or multiple loan applications from one IP address).
Tips to Pass the Video Call Smoothly
To ensure your loan isn’t delayed, follow these tips:
✅ Ensure Good Lighting: Sit in a well-lit area so your face and documents are clearly visible.
✅ Stable Internet Connection: Use a strong Wi-Fi or mobile data signal to avoid disconnections.
✅ Dress Neatly: You don’t need a suit, but avoid messy hair or pajamas—it adds credibility.
✅ Have Your Documents Ready: Don’t fumble during the call; have your ID and any other needed paperwork on hand.
✅ Stay Calm and Be Honest: The agents are not there to intimidate you. Just be yourself and answer clearly.
What Happens After the Call?
Once the video call is complete, the agent will submit their verification notes. If all checks out, here’s what usually happens:
- ✅ You get a confirmation notification within minutes to a few hours.
- ✅ Loan is disbursed directly to your registered bank account or digital wallet.
- ✅ You’ll be notified of your repayment schedule and due dates via app or SMS.
Common Issues & How to Avoid Them
- ❌ Blurry ID photo? Re-upload a clear image before the call.
- ❌ Poor lighting? Use a lamp or sit near a window during daytime.
- ❌ Background noise? Find a quiet room to avoid distractions.
If your video call is rejected, don’t panic. Many lenders allow a retry or re-scheduling, especially if the issue was technical.
Final Thoughts
Video call verification might sound intimidating at first, but it’s actually a quick and easy process that works in your favor. It ensures that you’re dealing with a legitimate lender, speeds up loan approval, and adds an important layer of security to protect your identity.
So next time you apply for a loan online and see that video call prompt, you’ll know exactly what to expect—and how to ace it.
Remember: Preparation is key. Charge your phone, check your internet, and be ready to present yourself confidently. The money you need could be just one video call away.
Ready to Apply?
Choose a trusted app or website with good reviews, and begin your application today. Don’t let the video call stop you—embrace it as your fast-track to financial support.