Frequently Asked Questions

BFI Finance accepts collateral in the form of vehicle ownership documents (motorcycles and cars) and land and building ownership certificates (SHM/SHGB) for houses, shophouses, or office spaces.

Cars:

• Year 2005: Minimum year for sedan, jeep, and minibus types (up to 20 years of vehicle age).
• Year 2012: Minimum year for pick-up and truck types (up to 13 years of vehicle age).

Motorcycles:

• Year 2012: Minimum year for Japanese brand motorcycles (up to 13 years of vehicle age).

Yes. The BPKB can be under your own name, your spouse’s name, or someone else’s name, provided there is consent from the original BPKB owner (the name listed on the docoument) for financing products with BPKB as collateral.

No. BFI Finance only accepts SHM/SHGB property certificates under your own name or your spouse’s name as collateral.

Interest rates start from 0.89% to 1.1% flat per month for loans secured with car BPKB and SHM/SHGB house/shophouse certificates, and 2.25% flat per month for loans secured with motorcycle BPKB.

• Car BPKB collateral: starts from 12 months up to 48 months
• Motorcycle BPKB collateral: starts from 12 months up to 36 months
• House/Shophouse/Office Certificate collateral: starts from 12 months up to 70 months

• Motorcycle BPKB application: minimum IDR 1 million, and the maximum amount can be adjusted based on the condition of the collateral unit.
• Car BPKB application: minimum IDR 10 million, and the maximum amount can be adjusted based on the condition of the collateral unit.

For certificate-backed applications, the minimum loan amount is IDR 300 million, and the maximum amount can be adjusted based on the condition of the collateral unit.

Currently, loan applications with motorcycle/car BPKB are not eligible for boarding houses or employee mess. Eligible residences include privately owned houses, family homes, rental houses (contract), or official housing (Rumah Dinas).

For information about the nearest branch office, please visit Click Here.

We accept vehicle BPKB in all provinces across Indonesia except Aceh, while property certificates (SHM/SHGB for houses/shophouses) are only accepted in Jabodetabek, Sidoarjo, Surabaya, Malang, and Gresik.

To find the nearest branch to your location, you can directly access it via Click Here.

After you fill out the financing application form on our website, our call center will contact you to schedule a survey. Then, your data will be forwarded to the branch office nearest to your location for physical verification of the collateral unit.

You might still be in the call queue. You can leave your name and phone number in the website's web chat. Click Here to start a conversation.

The documents to be prepared during the survey are:

• Copy of applicant’s ID card / spouse’s ID card (if married)
• Copy of Family Card (KK)
• Copy of electricity bill / land and building tax (PBB)
• Salary slip / business receipt / proof of business / bank statement
• Copy of vehicle registration certificate (STNK) & tax notice

Apply Now Click Here

The documents to be prepared during the survey are:

• Copy of applicant’s ID card / spouse’s ID card (if married)
• Copy of Family Card (KK)
• Copy of electricity bill / land and building tax (PBB)
• Salary slip / business receipt / proof of business / bank statement
• Copy of vehicle registration certificate (STNK) & tax notice

Apply Now Click Here

The documents to be prepared during the survey are:

• Copy of applicant’s ID card / spouse’s ID card (if married)
• Copy of Family Card (KK)
• Copy of electricity bill / land and building tax (PBB)
• Salary slip / business receipt / proof of business / bank statement
• Copy of property certificate (SHM/SHGB)

Apply Now Click Here

You can contact the branch that processed your contract directly, or reach us at 1500018, customercare@bfi.co.id, or WhatsApp 088211500018.

To check your remaining installments, simply Click Here.

To learn how to make payments and see available payment points, Click Here.