Your Best Multipurpose Financing

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!

Apply Now See Terms and Conditions

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

1. Online Form

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

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

BFI Finance will conduct a survey for the next process
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.

Car BPKB Guaranteed Financing Simulation

Brand

Honda

Model

Honda Brio RS 12 AT

Year

2018

Maximum Financing

Rp 109.980.000

Rp Desired financing

Rp 10.000.000

Rp 109.980.000

Tenor

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

Select the type of vehicle you own

Sedan / Jeep / Minibus

Truck & Pick Up

Apply Now

More Information Related to BPKB Car Guaranteed Financing

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

Terms and Conditions

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

Required Documents

Installment Scheme

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
Tenor	12 - 48 Bulan
Domicile	All of Indonesia, except Aceh

Installment Payment Options

Bank:

Merchant:

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"

Farida

Warung Mbah Mie - Ketapang

BFI Finance is a Trusted Finance Company in Indonesia

> 40

Years of being present and serving the financial needs of the community

> 2 million

People have chosen BFI Finance as their financial partner

> 200

Service locations spread across Indonesia

> 12.000

Active Agents

Several Awards Received

Asiamoney AOCP Award 2022

Indonesia's Best Company in the Financial Services Sector based on 'Asia's Outstanding Companies Poll 2022'

Infobank Multifinance Awards 2022

'Rank 1' predicate for the category of Financing Companies with Assets of IDR 10 Trillion and Above

Infobank Multifinance Awards 2022

Infobank Titanium Trophy 2022 for the category of Financing Companies with Assets of IDR 10 Trillion and Above with the Predicate 'Very Good' for 15 consecutive years

Infobank Multifinance Awards 2022

'The Best Performance' predicate for the category of Financing Companies with Assets of IDR 10 Trillion and Above with the highest assessment score

Infobank Digital Brand Awards 2022

The title '2nd Best Overall Financing Company' is based on the results of the 2022 Digital Brand Index Survey

Infobank Digital Brand Awards 2022

Golden Trophy for the title 'The Best Digital Brand 2018-2022'

BFI Finance is licensed and supervised by Otoritas Jasa Keuangan

Frequently Asked Questions

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

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

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

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)

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

Persiapkan dokumen persyaratan awal, seperti:

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

4. How do I apply for a loan?

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.

Produk	Pencairan	Hadiah Emas / Parsel
Jaminan BPKB Mobil	> Rp. 125.000.000	Rp. 1.000.000
Jaminan BPKB Mobil	> Rp. 300.000.000	Rp. 3.000.000

Beware of Any Website or Account on Behalf of PT. BFI Finance

Car Vehicle Ownership Document (BPKB) Guaranteed Financing

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

Licensed and supervised by Otoritas Jasa Keuangan