adiraku – Kredit & Pinjaman 2.23.1

adiraku is a mobile application offered by Adira Finance to customers and the Indonesian community, with a vision to provide various innovative and practical financial solutions for the people of Indonesia.

Through adiraku, Adira Finance aims to connect more closely with customers throughout Indonesia without being limited by distance and time.

Curious about what's available in adiraku?

Automotive and Electronics Credit

Credit for new cars, used cars, new motorcycles or used motorcycles, electronic goods (TV, AC, refrigerator, washing machine), furniture (spring bed, sofa, wardrobe, table), cell phones, and even bicycles can be obtained more easily through the adiraku application. Apply for credit directly with conventional or Sharia schemes with the best promotions. You can easily and quickly get your dream vehicles and goods at the best prices and installments.

Multifunctional Loan

Renovation costs for your home, your child's education expenses, additional capital for your business, or extra funds for vacations can all be applied for through the adiraku application. With your motorcycle or car registration as collateral, you can obtain a loan with competitive interest rates and a quick process. At Adira Finance, the security of your collateral is our top priority, so don't hesitate to apply for a loan from Adira Finance.

General terms and conditions for automotive credit, motorcycle credit, electronic goods & furniture credit, and multifunctional loans:

1. Loan amount:
   - Motorcycle Credit: IDR 5,000,000 - IDR 2,000,000,000
   - Car Credit: IDR 50,000,000 - IDR 2,000,000,000
   - Electronic goods & furniture credit: IDR 1,500,000 - IDR 50,000,000
   - Multifunctional Loan: IDR 3,000,000 - IDR 500,000,000
2. Flat annual interest rates:
   - Motorcycle Credit: 13% - 40%
   - Car Credit: 6% - 20%
   - Electronic goods & furniture credit: 12% - 48%
   - Multifunctional Loan: 10% - 40%
3. Loan term:
   - Motorcycle Credit: 12 - 36 months
   - Car Credit: 12 - 72 months
   - Electronic goods & furniture credit: 6 - 24 months
   - Multifunctional Loan: 12 - 48 months
4. Administrative and provision fees:
   - Motorcycle Credit: IDR 800,000 - IDR 875,000
   - Car Credit: IDR 2,700,000 - IDR 4,200,000 and provision fees of 0.00% - 2.25%
   - Electronic goods & furniture credit: IDR 175,000
   - Multifunctional Loan: IDR 750,000 - IDR 3,325,000 and provision fees of 0.00% - 0.25%
5. Example calculations:
   - Motorcycle Credit for a unit price of IDR 30,000,000 with a down payment of 10% and a term of 12 months; the monthly installment would be IDR 3,129,000. Therefore, the total amount paid within 1 year would be IDR 37,548,000, including unit insurance and personal accident insurance throughout the term.
   - Car Credit for a unit price of IDR 250,000,000 with a down payment of 20% and a term of 36 months; the monthly installment would be IDR 8,296,000. Therefore, the total amount paid within 3 years would be IDR 298,656,000, including unit insurance, personal accident insurance, and life insurance throughout the term.
   - Cell phone credit for a unit price of IDR 5,000,000 with a down payment of 10% and a term of 6 months; the monthly installment would be IDR 1,145,000. Therefore, the total amount paid within 6 months would be IDR 6,867,000.

Contract Management

To avoid late payments and fines, adiraku will send you reminders before the due date. You can make payments directly through the application, which is more convenient and secure. Alternatively, you can make payments through other channels and still receive payment notifications directly in the application.

adirapoin

By making prompt repayments through all payment channels, you can earn adirapoin that can be used to pay installments or exchanged for various vouchers from Adira Finance's partners. These vouchers include phone credit, electricity bills, shopping vouchers, food vouchers, and electronic money. Play fun games and engage in various activities in the application to earn additional adirapoin bonuses.

Services

Need assistance from Customer Service? adiraku provides a Help menu to answer all your questions through FAQs, send questions directly to us, or use the 24/7 live chat using Adira Finance's official WhatsApp account.

So, what are you waiting for? Download adiraku now and enjoy unlimited services from Adira Finance.

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