adiraku – Kredit & Pinjaman

adiraku, a mobile application presented by Adira Finance for Indonesian customers and people, with a vision to provide a variety of innovative and practical financial solutions for the lives of Indonesians.

Through adiraku, Adira Finance strives to be closer to customers throughout Indonesia without being limited by distance and time.

Want to know what's in my presence?

Automotive and Electronic Loans
Loans for new cars, used cars, new motorbikes or used motorbikes, electronic goods (TV, AC, refrigerator, washing machine), furniture (spring beds, sofas, cabinets, tables), cellphones to bicycles are easier through the Adiraku application. Apply for credit directly with conventional or Sharia schemes with the best promotions. You can get your dream vehicles and goods easily, quickly, with the best prices and installments.

Multipurpose Fund Loans
The need for house renovations, children's education costs, additional business capital and additional funds for tourism can be submitted on the Adiraku application. With a motorcycle or car BPKB guarantee, get a loan with competitive interest and a fast process. At Adira Finance, security guarantees are our priority, so don't hesitate to apply for a loan at Adira Finance.

General terms for car, motorcycle, electronic & furniture loans and multipurpose loan
1. Value of financing
◾ Motorcycle credit: IDR 5,000,000 - IDR 2,000,000,000
◾ Car loan: IDR 50,000,000 - IDR 2,000,000,000
◾ Electronic & Furniture Loans: IDR 1,500,000 - IDR 50,000,000
◾ Multipurpose Fund Loan: IDR 3,000,000 - IDR 500,000,000

2. Flat interest rate per year
◾ Motorcycle Credit: 13% - 40%
◾ Car Loan: 6% - 20%
◾ Electronics & Furniture Credit: 12% - 48%
◾ Multipurpose Fund Loan: 10% - 40%

3. Duration
◾ Motorcycle credit: 12 - 36 months
◾ Car loan: 12 - 72 months
◾ Electronics & Furniture Credit: 6 - 24 months
◾ Multipurpose Fund Loan: 12 - 48 months

4. Administrative and provision costs
◾ Motorcycle credit: IDR 800,000 - IDR 875,000
◾ Car loans: IDR 2,700,000 - IDR 4,200,000 and provision of 0.00% - 2.25%
◾ Electronic & Furniture Credit: IDR 175,000
◾ Multipurpose Fund Loan: IDR 750,000 - IDR 3,325,000 and provision of 0.00% - 0.25%

5. Example of calculation
◾ Motorcycle loans with a unit price of IDR 30,000,000, initial payment of 10% and a tenor of 12 months, then the monthly installments are IDR 3,129,000, so the total paid in 1 year is IDR 37,548,000 including unit insurance and personal accident throughout the tenor
◾ Car loan with a unit price of IDR 250,000,000, 20% initial payment and a tenor of 36 months, then the monthly installments are IDR 8,296,000, so the total paid in 3 years is IDR 298,656,000 including unit insurance, personal accident and souls throughout the tenor
◾ Mobile loans with a unit price of IDR 5,000,000, initial payment of 10% and a tenor of 6 months, then the monthly installments are IDR 1,145,000, so the total paid in 6 months is IDR 6,867,000

Contract Management
So that you don't pay late and get fined, I will remind you before the due date. Pay directly through the application, more comfortably and safely, or pay via other payment channels and stay comfortable with payment notifications directly in the application.

adirapoin
Pay installments on time in all payment channels, there are points that can be used to pay installments or exchanged for various Adira Finance partner vouchers, such as phone credit, electricity, shopping, food, and electronic money. Play fun games and do various activities in the app to get additional bonus adirapoin.

Service
Need Customer Service Help? adiraku provides a Help menu to answer all your questions through FAQ information, send it via Ask Us or livechat 24/7 with the official Adira Finance Whatsapp account.

So what are you waiting for, let's download Adiraku and enjoy unlimited services from Adira Finance.

Adira Finance is registered and supervised by the Financial Services Authority.