Managing your finances can be challenging—especially when you need quick cash or an urgent loan. That’s why understanding the installment table from BFI Finance is essential before applying for a loan secured by your motorcycle or car ownership document (BPKB).
Founded in 1982, BFI Finance offers financing starting from IDR 1 million up to 80% of your vehicle’s value, with interest rates from around 2.25% per month and tenors ranging from 6 to 24 months. The application process is also relatively simple and convenient.
To ensure your monthly payments stay within your financial capacity, it’s important to review the installment details and find the option that best suits your needs.
Types of Financing at BFI Finance
Before checking the installment table, it’s important to understand the types of financing available at BFI Finance so you can match them with your financial needs and condition.
1. Car Title Loan (BPKB Mobil)
This loan offers financing of up to 95% of your vehicle’s value, with tenors up to 4 years and interest rates starting from 0.76% per month.
Before applying, make sure your vehicle meets the following requirements:
-
The car is personally owned with the original BPKB (Vehicle Ownership Book).
-
Maximum age: 20 years (sedan/jeep/minibus) or 13 years (pickup/truck).
-
Vehicle registration (STNK) is active, with overdue tax not exceeding 2 years.
-
Black license plate (yellow plates allowed for commercial vehicles such as public transport or taxis).
2. Motorcycle Title Loan (BPKB Motor)
Loan limits start from IDR 1 million up to 80% of the vehicle’s value, with tenors up to 2 years and relatively fast disbursement after approval.
To ensure a smooth application, here are the requirements:
-
The motorcycle is personally owned with the original BPKB.
-
Maximum age: 13 years (Japanese brands).
-
Valid STNK and tax status.
-
Uses a black license plate (not red).
3. Property Certificate Loan
Loan amounts can reach up to IDR 5 billion, with tenors up to 7 years and interest rates starting from 0.54% per month.
The property used as collateral must meet these criteria:
-
Occupied house with permanent structure.
-
Located in a residential complex, neighborhood, or cluster.
-
Accessible by car.
-
Not near public facilities, high-voltage towers, or cemeteries.
-
Not currently listed for sale.
-
Certificate (SHM/SHGB) under your name, spouse, parents, or in-laws.
-
Located in Jabodetabek, Sidoarjo, Surabaya, Malang, Medan, Denpasar, or Balikpapan.
BPKB Collateral Requirements
BFI Finance provides financing secured by vehicle ownership documents (BPKB), whether for motorcycles or cars. The vehicle does not have to be under your name—it can also belong to your spouse or another party, as long as valid ownership proof is provided.
Vehicle age is also an important factor, with maximum limits as mentioned above.
BFI Finance Installment Table
Before applying for a loan, it’s important to understand the estimated monthly payments so you can align them with your financial capability.
Below are the installment tables for motorcycle and car BPKB loans from BFI Finance:
1. Motorcycle BPKB Installment Table
The motorcycle installment table ranges from IDR 1 million to IDR 20 million, with tenors between 6 and 24 months.
For example:
-
A Honda PCX 160 ABS 2026 can provide a loan of around IDR 20 million.
-
A Honda All New Scoopy Prestige 2025 can be valued between IDR 1 million and IDR 15 million.
Monthly installments will vary depending on the loan amount and chosen tenor.
Disclaimer: The installment table above is for estimation purposes only. Actual monthly payments depend on the borrower’s profile and financial assessment.
2. Car BPKB Installment Table
For car collateral, loan amounts start from IDR 10 million up to 95% of the vehicle value, with tenors of up to 48 months.
For example:
-
A Toyota All New Grand Innova Venturer Diesel Q 2.4 AT 2022 can provide a loan of approximately IDR 300 million.
Disclaimer: The installment table above is an estimate. Actual monthly installments are subject to borrower evaluation and financial capacity.
That’s a complete overview of BFI Finance installment tables, covering financing options, requirements, and estimated monthly payments for motorcycle and car BPKB loans.
By understanding the installment scheme and aligning it with your financial condition, you can choose a loan that is more suitable and well-planned.
BFI Finance offers flexible financing solutions—from motorcycle and car BPKB loans to property-backed loans—tailored to your financial goals.
As a financing company licensed and supervised by the Otoritas Jasa Keuangan, BFI Finance ensures a transparent application process supported by a wide network across Indonesia.
So when you need extra funds, there’s no need to worry—because with BFI Finance, there’s always a way. #ThereIsAlwaysAWay
