As we enter the BER months, it’s time to accelerate your plans. Through BFI Finance’s DIGEBER Cashback Program, you have the opportunity to receive cashback of up to Rp2,000,000 (two million rupiah), subject to the applicable terms and conditions.
Terms & Conditions
1. General Program Terms
-
The program is available to new BFI Finance customers who apply for financing and successfully receive their disbursement through the official BFI Finance Website or BFI Finance Point of Service (POS) during the program period.
-
The program applies to the following products:
-
Motorcycle BPKB Collateral Financing;
-
Car BPKB Collateral Financing; and
-
Home Certificate Collateral Financing.
-
2. Product Terms
A. Motorcycle BPKB Collateral Financing
-
Financing tenor of up to 24 months.
-
Interest rate starting from 2.25% per month.
-
Funds can be disbursed within 1 day, subject to the following conditions:
-
The customer has completed all applicable financing documents and requirements;
-
The documents and information provided can be verified by BFI Finance;
-
The results of the verification and financing analysis meet BFI Finance’s requirements.
-
The disbursement period is calculated after all required documents and requirements have been completed and the financing analysis has been confirmed to meet BFI Finance’s requirements.
B. Car BPKB Collateral Financing
-
Financing tenor of up to 48 months.
-
Interest rate starting from 0.76% per month.
-
Funds can be disbursed within 1 day, subject to the following conditions:
-
The customer has completed all applicable financing documents and requirements;
-
The documents and information provided can be verified by BFI Finance;
-
The results of the verification and financing analysis meet BFI Finance’s requirements.
-
The disbursement period is calculated after all required documents and requirements have been completed and the financing verification and analysis have been confirmed to meet BFI Finance’s requirements.
C. Electric Car BPKB Collateral Financing
-
Financing tenor of up to 48 months.
-
Interest rate starting from 0.78% per month.
-
Disbursement requirements:
-
The customer has completed all applicable financing documents and requirements;
-
The documents and information provided can be verified by BFI Finance;
-
The results of the verification and financing analysis meet BFI Finance’s requirements.
-
-
Obtain financing starting from Rp10 million, up to 80% of the vehicle’s value.
D. Home Certificate Collateral Financing
-
Financing tenor of up to 84 months.
-
Interest rate starting from 1.42% per month.
-
Financing of up to Rp5 billion, subject to the results of the analysis and BFI Finance’s financing requirements.
-
Disbursement requirements:
-
The customer has completed all applicable financing documents and requirements;
-
The documents and information provided can be verified by BFI Finance;
-
The results of the verification and financing analysis meet BFI Finance’s requirements.
-
The disbursement period is calculated after all required documents and requirements have been completed and the financing verification and analysis have been confirmed to meet BFI Finance’s requirements.
3. Installment Simulation
The following simulations are illustrations of installment calculations and may change from time to time based on the results of the credit analysis conducted by the credit analysis team on the customer and the pledged asset.
A. Motorcycle BPKB Collateral Financing
| Disbursement Amount | 6 Months | 12 Months | 18 Months | 24 Months |
| Rp5.000.000 | Rp1.035.500 | Rp584.000 | Rp445.500 | Rp374.000 |
| Rp10.000.000 | Rp2.001.000 | Rp1.129.000 | Rp855.000 | Rp719.000 |
| Rp15.000.000 | Rp2.958.500 | Rp1.669.000 | Rp1.264.000 | Rp1.062.000 |
| Rp20.000.000 | Rp3.908.500 | Rp2.205.000 | Rp1.668.500 | Rp1.402.000 |
B. Car BPKB Collateral Financing
| Disbursement Amount | 12 Months | 24 Months | 36 Months | 48 Months |
| Rp50.000.000 | Rp5.327.500 | Rp3.009.500 | Rp2.273.000 | Rp1.924.500 |
| Rp100.000.000 | Rp10.933.500 | Rp6.470.500 | Rp5.068.500 | Rp4.434.500 |
| Rp150.000.000 | Rp15.632.500 | Rp9.033.500 | Rp6.937.000 | Rp5.963.500 |
| Rp200.000.000 | Rp20.350.500 | Rp11.607.000 | Rp8.813.000 | Rp7.498.500 |
C. Home Certificate Collateral Financing
Installment simulations for Home Certificate Collateral Financing are available through the official BFI Finance Website or by contacting the BFI Finance team.
Installment simulation terms:
-
The calculations above are illustrations and may change from time to time based on the analysis of the customer and the pledged asset.
-
The applicable installment amount is determined based on the results of BFI Finance’s financing verification and analysis.
-
The simulation does not include applicable administration fees, provision fees, insurance, and other applicable costs.
-
Available tenors may vary depending on the disbursement amount.
4. Cashback Terms
Customers are eligible to receive cashback when applying for financing subject to the following terms:
A. Motorcycle BPKB Collateral Financing
| Financing Amount | Tenor Requirement | Cashback |
| Rp5.000.000 – Rp10.000.000 | All tenors | Rp100.000 |
| Rp10.000.001 – Rp10.999.999 | Minimum tenor of 18 months | Rp150.000 |
| Rp10.000.000 – Rp10.999.999 | Minimum tenor of 24 months | Rp300.000 |
| Rp11.000.000 – Rp15.000.000 | All tenors | Rp200.000 |
| ≥ Rp15.000.000 | All tenors | Rp500.000 |
B. Car BPKB Collateral Financing
| Financing Amount | Tenor Requirement | Cashback |
| Rp50.000.000 – Rp75.000.000 | All tenors | Rp250.000 |
| Rp75.000.001 – Rp125.000.000 | All tenors | Rp500.000 |
| Rp75.000.001 – Rp125.000.000 | Minimum tenor of 36 months | Rp750.000 |
| Rp75.000.001 – Rp125.000.000 | Minimum tenor of 48 months | Rp1.000.000 |
| ≥ Rp125.000.001 | All tenors | Rp1.000.000 |
C. Home Certificate Collateral Financing
| Financing Amount (NTF) | Cashback |
| Rp100.000.000 – Rp300.000.000 | Rp1.000.000 |
| ≥ Rp300.000.001 | Rp2.000.000 |
The Home Certificate Collateral Financing cashback program is subject to the available customer quota for customers who fulfill all program requirements and successfully receive their disbursement during the promotional period.
5. Cashback Terms
-
Customers must fulfill all applicable financing requirements and terms and conditions of BFI Finance.
-
Cashback is only provided to customers whose financing has been disbursed during the program period.
-
Each customer is entitled to receive cashback only once during the DIGEBER Campaign period.
-
For products with a cashback scheme based on tenor, customers are entitled to receive only one cashback amount, namely the highest amount applicable based on the qualifying tenor. Cashback cannot be combined with other promotions.
-
Cashback cannot be transferred or exchanged for other forms of rewards.
-
Cashback will be transferred to the customer’s disbursement account no later than November 15, 2026.
-
BFI Finance reserves the right to cancel cashback eligibility if invalid data, financing cancellation, or violations of the program’s terms and conditions are identified.
-
BFI Finance’s decision regarding the implementation of the program is final.
-
BFI Finance reserves the right to modify, extend, or terminate the program at any time in accordance with company policy.
-
By participating in this program, customers are deemed to have read, understood, and agreed to all applicable terms and conditions.
As we enter the BER months, it’s time to accelerate your plans with financing solutions tailored to your needs. #SelaluAdaJalan
Complete information regarding the benefits, risks, costs, and other terms and conditions of financing products is available through this link.