In the course of life, you often find yourself in situations where you need extra cash for various purposes, such as starting or expanding a business, your child's education, or other urgent needs. Meeting these needs can be a challenge, but with a motor vehicle and a valid Vehicle Ownership Certificate (BPKB), you have access to a reliable financial solution.
1. Benefits of Applying for a Motorcycle Collateral Loan at BFI Finance:
1.1 Trusted and Regulated by OJK
BFI Finance is a registered financial institution supervised by the Financial Services Authority (OJK), so you can trust our services.
1.2 Take Over from Other Leasing Companies*
BFI Finance offers flexibility by accepting takeovers from other leasing companies, allowing you to consolidate your debts.
1.3 Net Disbursement Without Deductions at the End
You will receive the loan amount as agreed upon, without any deductions at the end of the tenure.
1.4 Financing up to 80% of the Vehicle Value
You can access up to 80% of your vehicle's value as a loan, providing significant financial flexibility.
1.5 Low and Fixed Interest Rates*
BFI Finance offers a flat interest rate of 2.25% per month, making it easier for you to plan your payments.
1.6 Competitive Interest Rates
Annual interest rates start from 27%.
1.7 Flexible Tenure*
You can choose a tenure ranging from 6 to 24 months, depending on your ability to repay.
1.8 Branches Located Everywhere
BFI Finance has 190 branches across Indonesia, making it convenient for you to access our services.
*Based on the condition of the pledged asset and document completeness
2. Easy Loan Application Process
The process of applying for a motorcycle collateral loan at BFI Finance is straightforward:
2.1 Online Form
Fill out the online form with your personal information to initiate the application process.
Once the form is complete, BFI Finance's Call Center will contact you to confirm your details.
The BFI Finance team will conduct a survey to assess your vehicle and complete the next steps.
2.4 Disbursement of Funds
The loan funds will be disbursed directly to your registered bank account.
3. Loan Application Requirements
To simplify your application, make sure you meet the following requirements:
3.1 Personal Profile:
Aged 21-60 years
Marital status can be single, married, or divorced
Residence status includes own house, spouse's house, family house, or annual rental
Acceptable professions include employees (permanent/contract), civil servants, and self-employed individuals
Not acceptable if the type of business or profession violates the law
3.2 Vehicle Profile
The vehicle is owned with the original BPKB
BPKB can be in the applicant's name, spouse's name, or someone else's (attach proof of purchase)
The vehicle has a maximum age of 10 years (minimum year of manufacture: 2011) and is of Japanese or Italian make
Vehicle registration and vehicle tax must be active
Vehicle tax must not have been unpaid for more than 4 years (without deductions at disbursement)
If vehicle tax has been unpaid for more than 4 years, it will be handled by BFI Finance
The vehicle must have a black license plate (not a red plate)
3.3 Preparation of Initial Requirement Documents:
ID cards of the applicant and spouse (if married)
Proof of the last property tax payment
Motorcycle registration certificate (STNK) and BPKB
Also Read: Things to Look For in Motor Maintenance
It's important to remember that the security of your data is BFI Finance's top priority. By meeting the requirements and following the application steps, you can increase your chances of loan approval.
BFI Finance is your partner ready to help you meet your financial needs. With various benefits, competitive interest rates, and an easy application process, BFI Finance is the best choice for getting the cash you need. Don't let financial needs hinder your dreams; apply for a motorcycle collateral loan at BFI Finance today and secure financial comfort for your future.