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Car Vehicle Ownership Document (BPKB) Guaranteed Financing

Need cash for business capital, education, and other needs? BFI Finance is ready to help you with cash loans guaranteed by the car Vehicle Ownership Document (BPKB). Get low interest rates, disbursements of up to 85% of the vehicle value. The process is easy, fast and reliable. Calculate the financing simulation and apply immediately!

Benefits of Applying Car Vehicle Ownership Document (BPKB) Guaranteed Financing at BFI Finance

BFI Finance has been officially established since 1982 and always strives to provide the best service

Licensed and supervised by Otoritas Jasa Keuangan

Accept take over with the disbursement up to 80% of the vehicle value

Net disbursement without deductions

Start from Rp 10 Million until 80% of the total vehicle value

Low interest rate starts from 0.89% to 1.1% flat per month*

Annual interest rate starts from 10.86% to 12.12%*

Long tenor from 12 to 36 months*

There are 190 branches all over Indonesia

*Based on the condition of the collateralized assets & completeness of documents. See fully on the submission requirements.

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

Apply for a Car BPKB Guaranteed Financing

Complete and use the correct data to increase your chances of getting the loan approved.

Your data privacy are our matters.

Special Promo This Month

Car BPKB Guaranteed Financing Simulation

Car BPKB Guaranteed Financing Simulation




Honda Brio RS 12 AT



Maximum Financing

Rp 109.980.000

Rp 10.000.000
Rp 109.980.000

Estimated Monthly Installments

Rp 0 *

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

Make sure you meet the requirements below before applying for a loan

The car is a vehicle owned by himself/partner with the original BPKB and is in hand

Minimum year of car manufacture 2008 and 2010 for trucks/pickups

Vehicle Ownership Documents (BPKB) can be in the name of yourself, spouse and other people (Attach proof of purchase)

The Vehicle Registration Certificate (STNK) is still valid & Tax Dead maximum 2 years

Not acceptable if the vehicle has a red plate and has been used as a taxi or ambulance

More Information Related to BPKB Car Guaranteed Financing

BFI Finance accepts Car Vehicle Ownership Document (BPKB) as a collateral financing

Self Profile            

  • Indonesian Citizen
  • Age 21-60 years old and unmarried, married and divorced
  • Residence status, spouse, family, annual contract and legal residence
  • Job profession
    • Employees (Min Permanent 1 year / min Contract 2 years)
    • PNS
    • Entrepreneur (min 1 year running)
  • It is unacceptable if the type of business / profession violates the law

Vehicle Profile            

  • The car is a self-owned vehicle with an original BPKB
  • BPKB can be in the name of yourself, spouse and other people (Attach proof of purchase)
  • BPKB can be on behalf of the company provided that you attach an SPH (Surat Pelepasan Hak)
  • Vehicle age
    • Maximum 15 years (Minimum Vehicle Year 2008 for the types of sedans, jeeps and minibuses)
    • Maximum 13 years (Minimum Vehicle Year 2010 for the types of pick-up cars and trucks)
  • STNK / Tax
    • In Your Own Name 
      • Still valid
      • Dead Tax for a maximum of 2 years (will be deducted to the amount of disbursement)
    • On behalf of others
      • Life
      • Dead Tax (Change of name at BFI)
  • Black Plate
  • Yellow Plate (Truck Only)

Non-eligible Condition            

  • Red plate            
  • Vehicles were once used as taxis or ambulances


Apply for BPKB car guarantee loan financing

Mohon persiapkan dokumen persyaratan awal yang kami butuhkan, seperti:

 KTP pemohon & pasangan (jika sudah menikah)

 Kartu Keluarga

 PBB Terakhir

 Rekening Tabungan


√ STNK / BPKB Mobil

Apply for BPKB car guarantee loan financing

The following is a competitive installment scheme for proposing financing with a car BPKB guarantee :

Flat interest per month

Starting from 0.89% to 1.1%

Interest Rate per Year

Starting from 10.86% to 12.12% (according to asset conditions and completeness of documents)

Loan Minimum

10 Millions


12 - 48 Bulan


All of Indonesia, except Aceh

Apply for BPKB car guarantee loan financing

Customer Success Stories

“Pada tahun 2014, saya mempercayakan jaminan kendaraan-kendaraan kepada BFI Finance untuk mengembangkan armada dan menambah modal.”

Deddy Setiawan

Pengusaha Jasa Transportasi

"Peran BFI buat saya, sangatlah membantu kebutuhan diwaktu saya butuh modal dan usaha saya bisa berkembang juga atas bantuan dari BFI Finance"


Warung Mbah Mie - Ketapang

Inspirational Information and Promos for Your Financial Life

Frequently Asked Questions

Funds that can be borrowed start from IDR 10 million to 85% of the vehicle value

Profil Kendaraan yang bisa dipinjam adalah sebagai berikut:

  • Mobil merupakan kendaraan milik sendiri dengan BPKB Asli
  • BPKB bisa atas nama sendiri, pasangan dan orang lain (Lampirkan bukti pembelian)
  • BPKB bisa atas nama perusahaan dengan syarat melampirkan SPH(Surat Pelepasan Hak)
  • Usia kendaraan
  • Maksimal 20 tahun (Minimal Tahun Kendaraan 2003 untuk jenis mobil sedan, jeep dan minibus)
  • Maksimal 13 tahun (Minimal Tahun Kendaraan 2010 untuk jenis mobil pick-up dan truck)
  • STNK / Pajak
  • Atas Nama Sendiri
    • Masih Berlaku
    • Pajak Mati maksimal 2 tahun (akan dipotong ke jumlah pencairan)
  • Atas Nama Orang Lain
    • Hidup
    • Pajak Mati (Balik nama di BFI)
  • Plat Hitam
  • Plat Kuning kecuali angkutan plat kuning khusus komersil (angkot & taxi)

Persiapkan dokumen persyaratan awal, seperti:

  • KTP pemohon (dan pasangan jika sudah menikah)
  • Kartu Keluarga
  • Rekening Listrik / PBB
  • Bukti Penghasilan

Klik Ajukan sekarang dan silahkan mengisi form pengajuan pembiayaan di website kami, maka call center kami akan menghubungi Anda, membuatkan jadwal survey. Setelah itu data dikirim ke cabang terdekat dari domisili Anda untuk dilakukan verifikasi fisik unit jaminan.

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

Yes, BFI accept take over from other leasing companies and disbursement can be up to 90% of the vehicle price

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

Got questions about financing?


Want to apply for financing?


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