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Take the first step toward a debt-free life! Get a bailout fund of up to Rp250 juta

Managing multiple loans with pressing deadlines can be a major challenge. To help you simplify debt repayment, FLIN offers the Debt Relief Program—a practical and efficient solution to restore your financial stability.

This program allows you to consolidate all your loans into a single, more manageable payment while also providing a bailout fund of Rp250 juta to settle your outstanding obligations. With the support of trusted partners, we facilitate debt restructuring so you can benefit from lower interest rates and a more flexible, affordable repayment plan.

Once the mediation process with banks or financial institutions is complete, the funds will be directly disbursed to the relevant parties. You’ll only need to make one fixed monthly payment to FLIN—without hidden fees, through a transparent system, and with a secure process.

FLIN operates under the supervision of the Otoritas Jasa Keuangan (OJK) through accredited mediation and fund disbursement partners, ensuring that every step aligns with Indonesia’s financial regulations.

Don’t let debt hold you back from a brighter future. Apply for the Debt Relief Program today and take control of your financial freedom!

Estimated fees and interest rates adjustment for Rp250 juta debt consolidation

 Amount
Bailout amount Rp200.000.000
Tenure 24 month36 month
Minimum salary requiredRp25.200.000Rp20.300.000
Interest rate 4% per month4% per month
Success feeRp12.500.000-25.000.000Rp12.500.000-25.000.000
Processing feeRp0-Rp12.500.000

Rp0-Rp12.500.000

Total monthly InstallmentRp16.400.000Rp13.200.000

Important Notes:

  1. Interest rates range from 3% to 4%, depending on the financial institution or bank.
  2. Clients are required to pay a one-time success fee upfront.
  3. 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 Rp250 juta debt consolidation

Check the eligibility criteria and required documents for Rp250 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 Rp250 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.