BFI Finance are Trusted Financing Company in Indonesia

Since 1982

More than 40 years present and serving the community's financial needs

>400.000

Active consumers have chosen BFI Finance as their financial partner

>200 Branch

Service spreads across most of Indonesia

This month special promos and Information
paket express

Why Choose BFI Finance?

BFI Finance is ready to meet your financial needs

  • Funding without Additional Fee

    Get full funds to meet your needs

  • Low Interest

    Interest starts from 0.76% per month, with annual interest rates starting from 10.86%

  • High funding

    Liquid financing starts from Rp10 million to 95% of the vehicle value

  • Funding without Additional Fee

    Get full funds to meet your needs

  • Low Interest

    Interest starts from 0.76% per month, with annual interest rates starting from 10.86%

  • High funding

    Liquid financing starts from Rp10 million to 95% of the vehicle value

Get Cash Funds Immediately with a BPKB Car Guarantee Loan at BFI Finance

Flat interest 0.76% per month

Apply Now

Get Cash Funds Immediately with a BPKB Car Guarantee Loan at BFI Finance

Flat interest 0.76% per month

Apply Now

Easy Financing Process

Apply the easy way, follow the steps below

  • fill form

    1. Online Form

    Fill out the form and complete your personal data so that the loan submission can be processed

  • konfirmasi

    2. Confirmation

    After the data is completely filled in, you will be contacted by our Call Center

  • survey

    3. Survey

    BFI Finance will conduct a survey for the next process

  • funding

    4. Loan disbursement

    Loan funds will be disbursed to a registered account

BFI Dana Express Car Installment Calculator

Plan your free financing

Disbursement of Funds Up To

Rp500.000.000

*Nominal is estimated, submit to check installments according to the car guaranteed

Important Information You Need to Know

BFI Finance Receives BPKB Car Guarantee Loan

Personal Profile Requirements (Customer)

Personal Profile

  • Indonesian citizens
  • Aged 21-60 years and marital status is not married, married and divorced
  • The status of home residence, couple, family, annual contract
  • Occupation :
    • Employees (Permanent/Contract)
    • PNS
    • Entrepreneur
  • Cannot be accepted if the type of business/profession violates the law

Vehicle Profile Requirements

Vehicle Profile

  • The car is your own vehicle with the original BPKB
  • BPKB can be in the name of yourself, your partner or someone else (Attach proof of purchase)
  • BPKB can be in the name of the company provided that it attaches an SPH (Letter of Release of Rights)
  • Vehicle age
    • Maximum 20 years (minimum vehicle year 2005 for sedans, jeeps and minibuses)
    • Maximum 13 years (Minimum Year of Vehicles 2012 for Pick-Up and Truck Cars)
  • STNK / Tax
    • In Your Own Name
      • Still Available
      • Expired Tax maximum 2 years (will be deducted from the disbursement amount)
    • In the Name of Another Person
      • Alive
      • Expired Tax (Return Name in BFI)
  • Black Plate
  • Yellow Plate (Truck Special)

What is Unacceptable (non-eligible condition)

  • Red plate vehicle
  • The vehicle was once used as a taxi or ambulance

Easy Requirements

Your loan funds can be directly processed by preparing the documents below

Applicant & Spouse's ID Card (If married)

Family Registration Card

Electricity Account / PBB

Proof of income

STNK

BPKB & Faktur Kendaraan

Get Cash Funds by Applying for a Car BPKB Guarantee Loan at BFI Finance

Long term up to 48 months

Apply Now

Get Cash Funds by Applying for a Car BPKB Guarantee Loan at BFI Finance

Long term up to 48 months

Apply Now

BFI Dana Express Car Installment Scheme - Car BPKB Collateral Loan

Loan

Rp50,000,000

Time Period

12 month or 1 year

Interest

Rp50,000,000 x 0.76% x 12 month = Rp4,560,000

Total Loan

Rp50,000,000 + Rp4,560,000 = Rp54,560,000

Installment / month

Rp54,560,000 / 12 Month = Rp4,546,000

*The installment scheme is only a simulation and is not a loan agreement. The numbers can change and be adjusted based on further assessments in accordance with BFI Finance's policy.

Things you need to know if you apply with a car BPKB guarantee at BFI Finance

Flat Rate per Month

Low interest rates starting from 0.76% to 1.1% flat per month

Minimum and Maximum Interest Rates per Year

Starting from 9.16% - maximum 14.34% (depending on asset condition & completeness of documents)

Minimum and Maximum Loan

Starting from IDR 10 million to 95% of the vehicle value

Domicilie

All of Indonesia, except Aceh

Minimum and Maximum Installments (Tenor)

3 Months to 48 Months

Customer Success Stories

“In 2014, I entrusted the guarantee of vehicles to BFI Finance to develop the fleet and increase capital.”

Deddy Setiawan

Transportation Service Entrepreneur

"BFI's role for me is very helpful when I need capital and my business can also grow with the help of BFI Finance."

Farida

Warung Mbah Mie - Ketapang

Frequently Asked Questions

1. What is the minimum and maximum amount of funds?

Funds that can be borrowed start from IDR 10 million to 95% of the vehicle value

2. What are the provisions for the type and year of vehicle that can be guaranteed?

The vehicle profiles that can be borrowed are as follows:

  • The car is your own vehicle with the original BPKB
  • BPKB can be in the name of yourself, your partner or someone else (Attach proof of purchase)
  • BPKB can be in the name of the company provided that it attaches an SPH (Letter of Release of Rights)
  • Vehicle age
  • Maximum 20 years (Minimum Vehicle Year 2005 for sedans, jeeps and minibuses)
  • Maximum 13 years (Minimum Vehicle Year 2012 for pick-up cars and trucks)
  • STNK / Tax
    • In Your Own Name
      • Still valid
      • Dead Tax maximum 2 years (will be deducted from the disbursement amount)
    • In the Name of Another Person
      • Life
      • Dead Tax (Change of name in BFI)
  • Black Plate
  • Yellow Plates except for special commercial yellow plate transportation ( public transportation & taxi)

3. What are the requirements for applying for a BPKB Car loan?

Prepare initial requirements documents, such as:

  • KTP of the applicant (and partner if married)
  • Family Card
  • Electricity Account / PBB
  • Proof of Income
  • STNK & BPKB

4. How do I apply for a loan?

Click Apply now and please fill out the financing application form on our website, then our call center will contact you, make a survey schedule. After that, the data is sent to the nearest branch from your domicile for physical verification of the guarantee unit.

5. Can BPKB a/n other people?

BPKB can be in the name of yourself, your partner or someone else (Attach proof of purchase)

6. Is BFI Finance safe?

Safe because BFI Finance is licensed and supervised by the Financial Services Authority

Have further questions? Contact Us

Enjoy a fast disbursement process by completing the existing requirements

Apply Now Submission Consultation
© 2025 - PT BFI Finance Indonesia Tbk