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Unlock your dreams without obstacles with a Rp150 juta bailout fund

Struggling with multiple loans and approaching due dates can feel overwhelming. To help you manage and repay your debt more easily, FLIN introduces the Bailout Program—an efficient and practical solution for restoring your financial stability.

With this program, you can consolidate all your loans into a single, more manageable payment while securing a bailout fund of up to Rp150 juta to settle your financial obligations. Through our trusted partners, we assist in debt restructuring, helping you obtain lower interest rates and more flexible repayment terms.

Once the mediation process with banks or financial institutions is complete, the bailout funds will be disbursed directly to the relevant parties. You only need to make one fixed monthly payment to FLIN—free from hidden fees, with a transparent system and a secure process.

FLIN ensures that every step of this program complies with Indonesian regulations, backed by mediation and fund disbursement partners licensed by the Financial Services Authority (OJK).

Don’t let debt hold you back. Apply for the Bailout Program today and take the first step toward financial stability!

Estimated fees and interest rates adjustment for Rp150 juta debt consolidation

Amount
Bailout amount  Rp150.000.000
Tenure  24 month 36 month
Minimum salary required Rp17.300.000 Rp13.900.000
Interest rate  4% per month 4% per month
Success fee Rp7.500.000-Rp15.000.000 Rp7.500.000-Rp15.000.000
Processing fee Rp0-Rp7.500.000 Rp0-Rp7.500.000
Total monthly Installment Rp9.800.000 Rp7.900.000

Important Notes:

  • Interest rates range from 3% to 4%, depending on the financial institution or bank.
  • Clients are required to pay a one-time success fee upfront.
  • The success fee varies between 5% and 10% of the total savings offered to eligible clients.

Please calculate using Flin financial calculator

4.00%
24 Months
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*Conditions Apply

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Eligibility criteria and required documents for Rp150 juta debt consolidation

Check the eligibility criteria and required documents for Rp150 juta bailout fund.

Eligibility Criteria

Indonesian citizen (WNI) with a valid Identity Card (KTP).
Residing in the Jabodetabek area, Bandung, Surabaya, or Bali.
A salaried employee working with a private company, government, or State-Owned Enterprise (BUMN).
Should have at least 3 years of experience and must be in current employment for at least 1 year.
For Contract-based Employee, Must have at least a 2-year contract, with a renewal in the past year.
Current net take-home salary should be > Rp5 juta.
Current outstanding unsecured loan (KTA + Online + Credit Card) should be > Rp20 juta.
Preferably at least High School with a Diploma (D3 and D4).

Required Documents

Initial Document Submission
ID card (KTP)
Bank statement from last 6 Months (PDF)
Annual tax document (SPT)
Latest 3 Months Salary Slip
Final Document Submission
NPWP
Address proof (any one of the following: house rent agreement, utility bill, domicile statement)
Certificate of Employment
Latest education certificate
Selfie
Loan agreement
Direct debit authority (DDA)

Steps to apply for Rp150 juta debt consolidation

Fill a form

Provide detailed information on the application form

Submit documents

Make sure to prepare necessary documents

Approval result

Receive the official approval result within 72 hours

Office visit

Bring all original documents to our office in Jakarta Selatan

Program agreement

Sign the loan agreement to settle all your existing loans.

Fund disbursal

Your outstanding dues will be settled by the disbursed fund that we provide.

Be one step ahead of your debts

Resolve debt repayments challenges with the Bailout Program through consolidation.