As Indonesia's second-largest metropolitan city, Surabaya is a thriving hub of economic activity — packed with business opportunities, top-tier universities, and a fast-growing population. It's no surprise that the demand for loans in Surabaya continues to rise, whether for business capital, education expenses, or other financial needs.
That's why choosing a licensed and regulated lending service is more important than ever. Read on to discover the best loan options available in Surabaya!
Why Are So Many People Looking for Loans in Surabaya?
Surabaya isn't just East Java's capital — it's the economic, trade, industrial, and educational heart of the region. With modern infrastructure, steady economic growth, and a massive market, the city is bursting with entrepreneurial opportunities.
Many residents take advantage of this by starting businesses, including boarding houses (kos-kosan), which are in high demand thanks to the large number of students from across Indonesia attending prestigious universities like Universitas Airlangga and ITS (Institut Teknologi Sepuluh Nopember).
However, starting or growing a business — or funding an education — often requires additional capital. That's where loans come in as a practical financial solution to help turn plans into reality.
Top Loan Recommendation in Surabaya: BFI Finance
If you're looking for a reliable loan in Surabaya, BFI Finance is one option worth considering. As an established financing company, BFI Finance brings its services closer to the community through an extensive network of branches and service points (POS) across Indonesia, including multiple locations in Surabaya.
Through these branches, customers can apply for financing or complete transactions directly — making the process more accessible and convenient. Here's a list of BFI Finance branches and POS locations in Surabaya along with their operating hours:
| Branch Name | Phone | Address | Operating Hours |
| BFI Finance Surabaya Branch | 031-5014119 | Jl. Ngagel Jaya No.39, Gubeng, Surabaya | Mon–Fri 08:15–16:30 WIB, Sat 08:15–12:00 WIB |
| BFI Finance Surabaya Branch 2 | 031-99142906 / 031-7348281 | Jl. Pattimura No.14, Sukomanunggal, Surabaya | Mon–Fri 08:15–16:30 WIB, Sat 08:15–12:00 WIB |
| BFI Finance Surabaya Branch 3 | 031-37461924 | Jl. Kapas Krampung No.139, Tambaksari, Surabaya | Mon–Fri 08:15–16:30 WIB, Sat 08:15–12:00 WIB |
| BFI Finance POS Rungkut | (031) 58283828 | Jl. Raya Rungkut, Rungkut Kidul, Surabaya | Mon–Fri 08:15–16:30 WIB, Sat 08:15–12:00 WIB |
Loan Products Offered by BFI Finance
Founded in 1982 and trusted by over 400,000 active customers across Indonesia, BFI Finance operates through more than 200 branches nationwide. The company offers a wide range of financing solutions tailored to diverse needs:
- Vehicle Registration Certificate (BPKB) Financing – Car: Loan disbursement of up to 95% of the vehicle's value with a repayment tenure of up to 3 years.
- Vehicle Registration Certificate (BPKB) Financing – Motorcycle: Fast approval process with flexible tenures of up to 24 months.
- House Certificate Financing: Interest rates starting from just 0.54% per month with long tenures of up to 84 months.
- Sharia Financing: Available for used car purchases, Umrah trips, and multipurpose needs — with no penalties and no fines.
- Used Car Financing: Affordable installments plus a complimentary 1-year warranty from OTOSPECTOR.
- Heavy Equipment & Industrial Machinery Financing: Tailored solutions for businesses needing equipment procurement.
Why Choose BFI Finance for Your Loan in Surabaya?
Here's what sets BFI Finance apart as a top loan option in Surabaya:
- OJK-Licensed & Regulated — BFI Finance operates under the supervision of Indonesia's Financial Services Authority (OJK), ensuring a safe and trustworthy borrowing experience.
- Fast Fund Disbursement — Once documents are verified, funds can be disbursed within hours to a few business days.
- Easy Online Application — Apply anytime through the official BFI Finance website or the BFI Mobile app — no branch visit required.
- Keep Using Your Vehicle — For BPKB-backed loans, only the certificate is held as collateral. You can continue using your vehicle daily.
- Wide Branch Network in Surabaya — Multiple branches and POS locations across Surabaya make in-person service easily accessible.
- Flexible Repayment Tenures — Choose a repayment schedule that fits your budget and financial capacity.
- Flexible Loan Amounts — Borrow anywhere from Rp1 million to billions of rupiah, depending on your profile and collateral assessment.
Requirements to Apply for a Loan at BFI Finance
Before submitting your application, make sure you meet the following criteria:
Applicant Profile:
- Indonesian citizen (WNI)
- Minimum age of 21 years (or 18 years if married) for BPKB Motor, BPKB Car, or House Certificate financing
- Any marital status (single, married, or divorced)
- Must have a place of residence — owned, a spouse's/family's property, or an annual rental
- At least 2 years of work experience as a permanent employee or self-employed individual
- Type of work or business must be legal
Required Documents:
- Photocopy of applicant's ID card (KTP) and spouse's (if married)
- Photocopy of Family Card (Kartu Keluarga / KK)
- Proof of domicile or property ownership
- Vehicle Registration (STNK) and BPKB as collateral
- Vehicle invoice (for car or motorcycle BPKB financing)
Additional asset requirements may apply depending on the chosen product, including vehicle condition, asset age, and completeness of ownership documents.
How to Apply for a Loan at BFI Finance
BFI Finance offers two convenient ways to apply:
Offline (In-Branch)
Visit the nearest BFI Finance branch by searching for the closest location on the official website. Bring your required documents and the team will guide you through the process.
Online (Website or App)
- Visit the official BFI Finance website.
- Click the "Apply" button at the bottom of the page.
- Select your desired financing product and click "Apply Now."
- Fill out the application form completely and accurately.
- A telemarketing representative will contact you to continue the process.
Ready to Secure Your Loan in Surabaya?
Whether you're launching a business, covering education costs, or managing other financial needs, a well-planned loan can make all the difference. With BFI Finance, you get a licensed, transparent, and flexible financing solution backed by decades of experience.
Choose the product that suits your needs — BPKB motorcycle, BPKB car, or house/shophouse certificate financing — and take the first step toward your financial goals. Because #ThereIsAlwaysAWay with BFI Finance!
