Unexpected financial needs can arise at any time—especially when large amounts of money are required. To help meet these needs, you can now rely on GoPay Pinjam BPKB, a cash loan service that allows you to apply easily using your vehicle ownership document (BPKB) as collateral.
GoPay Pinjam BPKB offers high loan limits of up to IDR 2 billion, along with a simple application process and relatively fast disbursement—provided you meet the eligibility criteria. This loan can be used for various purposes, from daily expenses and business capital to education costs. It is also managed by institutions licensed and supervised by Indonesia’s Financial Services Authority (OJK).
So, what exactly is GoPay Pinjam BPKB, what are the requirements, and how do you apply? Let’s explore everything you need to know below.
What Is GoPay Pinjam BPKB?
GoPay Pinjam is a cash loan service resulting from a collaboration between BFI Finance and GoPay. This service is available to selected users within the Gojek ecosystem, offering a simple application process and relatively quick fund disbursement.
The GoPay Pinjam BPKB service is managed by PT Mapan Global Reksa (Findaya) and is officially licensed and supervised by OJK. Eligible users will find the GoPay Pinjam feature available in the Gojek, GoPay, or Tokopedia apps.
Through GoPay Pinjam BPKB, users can apply for loans of up to IDR 2 billion for cars and up to IDR 50 million for motorcycles, with repayment tenors of up to 48 months. Additionally, user data is protected by strict security systems to minimize the risk of data breaches.
It’s important to note that GoPay Pinjam BPKB is only available to selected GoPay users. By using this service, eligible users can access larger loan amounts by providing their BPKB as collateral.
This scheme differs from GoPay Pinjam Modal, which does not require collateral but typically offers lower loan limits. With GoPay Pinjam BPKB, you can access significantly higher funding—up to IDR 2 billion—with a relatively fast approval process.
Requirements for GoPay Pinjam BPKB
Before applying for GoPay Pinjam BPKB in collaboration with BFI Finance, you need to meet several requirements related to your identity and the vehicle used as collateral.
General Applicant Requirements:
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Indonesian citizen (WNI) with a valid e-KTP
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Aged between 21–60 years
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Have an active GoPay account
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Reside in Indonesia
Vehicle & Document Requirements:
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Original BPKB of the vehicle used as collateral
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Valid vehicle registration (STNK), or expired for no more than 2 years
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BPKB can be under your name or a family member listed in the same Family Card (KK)
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Maximum vehicle age: 13 years for motorcycles and 10 years for cars
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Vehicle condition must meet BFI Finance’s assessment standards
How to Apply for GoPay Pinjam BPKB
Applying for a loan through GoPay with your vehicle’s BPKB as collateral is quite simple. Follow these steps:
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Open the GoPay Pinjam BPKB page in the app, then select “Apply Now.”
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Read the Terms and Conditions carefully and agree to proceed.
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Fill in your personal details accurately according to your official documents.
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Review all the information, then submit your application.
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After submission, BFI Finance Indonesia Tbk will contact you and arrange a visit to collect the required documents. Prepare your e-KTP, STNK, BPKB, and Family Card.
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Once all steps are completed, wait for the loan disbursement process.
Benefits of GoPay Pinjam BPKB
GoPay Pinjam BPKB offers several advantages that make borrowing more practical and flexible:
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High loan limits: Regular GoPay Pinjam offers limits up to IDR 35 million, while GoPay Pinjam BPKB provides up to IDR 50 million (motorcycles) and IDR 2 billion (cars).
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Flexible repayment terms: Choose tenors from 1–12 months for GoPay Pinjam, or up to 48 months for GoPay Pinjam BPKB.
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Competitive interest rates: GoPay Pinjam interest ranges from 1.21%–2.69% per month (APR 14.52%–32.28%), while GoPay Pinjam BPKB rates can start from as low as 0.05%.
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Affordable service fees: Service fees range from 0.30%–4.98%, with provision fees around 1.00%–5.30%.
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Simple application process: Activation can be done using your e-KTP, making the process fast and convenient.
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Fast disbursement: Funds can be disbursed within minutes for GoPay Pinjam, and around 1 day after approval for GoPay Pinjam BPKB.
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Transparent costs: All fees are clearly displayed with no hidden charges.
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Fully regulated: Licensed and supervised by OJK, ensuring a safe and trustworthy financing option.
After understanding what GoPay Pinjam BPKB is, along with its requirements and application process, you can now choose the financing solution that best suits your needs. If you’re looking for quick cash with a simple process, BFI Finance also offers financing services using car or motorcycle BPKB as collateral.
For larger funding needs, you can also apply for loans secured by property certificates (houses, shop houses, or commercial buildings) with limits of up to IDR 5 billion.
BFI Finance services are licensed and supervised by OJK, ensuring transparency and reliability. So, whenever you need funds for various purposes, you can move forward with confidence—because there’s always a way with BFI Finance.
