Honda BeAT is one of Indonesia's most popular motorcycles — loved for its fuel efficiency, affordable price tag, and strong resale value. That last point makes it more than just a ride; it can also serve as collateral for a loan when you need extra cash.
A BPKB-secured loan using your Honda BeAT could be the financial solution you've been looking for. By leveraging your vehicle ownership document (BPKB) as collateral, you can access funds quickly and with a relatively simple application process — without giving up your motorcycle.
Read on to learn about the requirements, loan simulation, and how to apply.
What Is a BPKB-Secured Motorcycle Loan?
A BPKB-secured motorcycle loan is a type of financing that uses your Buku Pemilik Kendaraan Bermotor (BPKB) — the official vehicle ownership document — as collateral. The best part? You keep riding your motorcycle while the loan is active.
One of the leading providers of this type of loan in Indonesia is BFI Finance. Through this product, you can fund a wide range of needs — from daily expenses and education costs to business capital.
Here's a quick overview of what BFI Finance offers:
- Loan amount: Starting from Rp1 million up to Rp50 million
- Flexible tenure options to suit your repayment capacity
- Competitive interest rate starting from 2.25% flat per month
Can You Use a Honda BeAT BPKB as Collateral at BFI Finance?
Yes, absolutely. BFI Finance accepts BPKB from various motorcycle brands — including Honda BeAT. As long as your motorcycle is in good condition and your ownership documents are complete, you're eligible to apply.
The loan amount you can receive will depend on your Honda BeAT's current market value. Generally speaking, the higher the vehicle's value, the larger the loan limit you may qualify for.
Honda BeAT BPKB Loan Simulation
Before applying, it's smart to have a clear picture of your monthly installments. The table below shows a loan simulation for the Honda BeAT Deluxe CBS ISS 2024 across various tenures in the Jabodetabek area:
| Loan Amount | 6 Months | 12 Months | 18 Months | 24 Months |
| Rp1,000,000 | Rp276,000 | Rp155,000 | Rp122,000 | — |
| Rp2,000,000 | Rp464,000 | Rp264,500 | Rp205,000 | — |
| Rp3,000,000 | Rp707,500 | Rp364,500 | Rp276,500 | Rp231,000 |
| Rp4,000,000 | Rp908,000 | Rp473,500 | Rp359,000 | Rp301,000 |
| Rp5,000,000 | Rp1,146,500 | Rp575,000 | Rp435,500 | Rp364,500 |
| Rp6,000,000 | Rp1,335,500 | Rp681,500 | Rp514,500 | Rp431,000 |
| Rp7,000,000 | Rp1,525,000 | Rp787,500 | Rp594,000 | Rp497,000 |
| Rp8,000,000 | Rp1,718,500 | Rp898,000 | Rp677,000 | Rp566,500 |
| Rp9,000,000 | Rp1,907,500 | Rp1,004,000 | Rp756,500 | Rp633,000 |
| Rp10,000,000 | Rp2,100,500 | Rp1,112,500 | Rp837,500 | Rp700,500 |
| Rp11,000,000 | Rp2,289,500 | Rp1,218,500 | Rp917,000 | Rp768,500 |
Disclaimer: The figures above are for simulation purposes only. Actual monthly installments may vary based on credit analysis results, vehicle appraisal, and the approved loan amount.
Requirements for a Honda BeAT BPKB Loan at BFI Finance
To apply for a BPKB-secured motorcycle loan at BFI Finance, you'll need to meet the following requirements across three categories:
1. Personal Profile Requirements
- Indonesian citizen (WNI)
- Minimum age of 21 years, or 18 years if already married
- Marital status: single, married, or divorced
- Residential status: own home, partner's/family's/parents' home, annual rental, company housing, or monthly rental (monthly rental may not be available at all BFI Finance branches)
- Employment: permanent/contract employee, civil servant (PNS), or self-employed
- Occupation/business must not violate Indonesian law
2. Vehicle Requirements
- Original BPKB (vehicle ownership document)
- BPKB can be in your name, your spouse's name, or another person's name — with proof of purchase
- Motorcycle must be manufactured in 2013 or later (maximum vehicle age of 13 years), applicable to both Japanese and non-Japanese brands
- Expired vehicle tax is allowed for up to 4 years (a deduction will apply for tax arrears exceeding 2 years)
- Standard black license plate (not for public transport or government use)
- Active STNK (vehicle registration)
3. Required Documents
- Applicant's ID card (KTP) and spouse's KTP (if married)
- Family card (Kartu Keluarga / KK)
- Latest electricity bill or land/building tax (PBB)
- STNK and BPKB of the motorcycle
- Vehicle purchase invoice (faktur)
How to Apply for a Honda BeAT BPKB Loan
BFI Finance makes it easy to apply — whether you prefer doing it online or in person.
Online Application
Via BFI Finance Website:
- Visit the official BFI Finance website
- Click "Lihat Produk Kami" (View Our Products)
- Under the BPKB Motor Financing section, click "Ajukan Sekarang" (Apply Now)
- Fill in the application form completely and accurately, then submit
- The BFI Finance team will review your application and reach out for next steps
Via BFI Mobile App: Simply download the BFI Mobile app, create an account, and select the BPKB motorcycle financing product to fill out your application form — quick and hassle-free.
Offline Application
Prefer a face-to-face experience? You're welcome to visit the nearest BFI Finance branch or POS office to apply directly or consult with the team in person.
Ready to Turn Your Honda BeAT into Financial Freedom?
A Honda BeAT BPKB loan is a practical way to unlock funds when you need them — whether for personal needs, education, or growing your business. Just make sure your motorcycle is in good condition and all your documents are in order to maximize your chances of getting a higher loan limit.
Beyond motorcycle financing, BFI Finance also offers loans secured by car BPKB and property certificates (house/shophouse) for larger funding needs. As a financial institution licensed and supervised by the Financial Services Authority (OJK), BFI Finance is a trusted partner for your financial journey.
So why wait? Put your Honda BeAT to work and take that next step — because #SelaluAdaJalan (There's Always a Way) with BFI Finance.
