Terms & Conditions
- Application Period: 18 February 2026 – 31 March 2026
- The cashback promotion is valid for customers who apply for financing through POS, the website, or the BFI Mobile application and successfully obtain financing from BFI Finance with a minimum disbursement of IDR 500,000,000 (five hundred million rupiah), with a cashback amount of IDR 1,500,000 (one million five hundred thousand rupiah).
- The promotion is only applicable to customers who submit financing applications and successfully receive financing during the promotion period.
- Cashback will be given no later than May 5 2026, which will be transferred to the consumer's disbursement account.
- Cashback is only valid for consumers with a maximum disbursement limit of April 17th 2026.
- The promotion is non-transferable and cannot be combined with other promotions.
- The promotion is valid once per customer (within the promotion period).
- The company reserves the right to cancel the cashback if there are indications of misuse, fraud, or violations of these terms and conditions.
- The company reserves the right to amend, terminate, or extend the cashback program by notifying customers through the website (https://www.bfi.co.id) no later than 7 business days before the change takes effect.
- The company’s decision is final and cannot be contested.
Application Requirements
- Debtor/Customer Profession: Employee or Self-Employed
- Age Requirement: Minimum 21 years old and maximum 65 years old (until loan maturity)
- Marital Status: Single or Married
- Prospective customers may be new or existing customers (existing customers must have completed at least 50% of the financing tenure with BFI Finance).
- Eligible Cities (applications are only valid in the following areas):
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Jabodetabek
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East Java (Surabaya, Sidoarjo, Malang, and Gresik)
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Medan Area (Medan City, Deli Serdang, and Binjai City)
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Denpasar Area (Denpasar City, Badung, Gianyar, and Tabanan
Employment Profile Requirements
Customers’ employment profiles must meet the following criteria:
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Employed by a publicly recognized company with a clear line of business and established as a business entity/legal entity.
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Salary must be reflected in a bank account.
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Minimum managerial/structural position with more than 2 years of tenure as a permanent employee, or Prohire employees with a minimum 6 months of permanent employment.
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No loan restructuring for the debtor, spouse, business entity, or other stakeholders within the past 2 years.
Company/Business Criteria
Business profiles that are not eligible for financing:
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Financing intended solely for passive investment/capital participation (e.g., loans used for passive investments without the debtor’s active involvement in business operations).
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Businesses in stock investment, stock trading, or cryptocurrency.
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Contractors, developers, or general suppliers.
Property Profile
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Legal ownership of the property (SHM/SHGB) under the name of the prospective customer and/or spouse.
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Not located in an alley; accessible by one car (minimum width of 3 meters) and not situated within a densely populated village area.
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Not close to public facilities, electrical installations, cemeteries, or riverbanks.
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Not currently in the process of being sold.
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Occupied or not in a vacant condition.
Required Documents
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Self-employed applicants: Bank statements/passbooks for at least the last 6 months reflecting business transactions. Only transactions that can be validated (excluding window dressing transactions) will be recognized.
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Private-sector employees: Payroll bank statements and salary slips for at least the last 3 months, or Annual Tax Return (SPT).
By participating in this promotion, customers are deemed to have read, understood, and agreed to all applicable terms and conditions. Don’t miss this opportunity—apply for financing now and enjoy the cashback!
BFI Finance only grants approval for financing applications from prospective customers who meet the criteria and financing requirements in accordance with applicable regulations.
BFI Finance is licensed and supervised by the Financial Services Authority.
#SelaluAdaJalan with BFI Finance.