Looking to improve your financial situation? Here’s how you can get Rp125 juta bailout fund

Struggling with multiple loans and looming payment deadlines can be overwhelming. That’s why FLIN offers the Bailout Program—an effective solution to help you manage and repay your debts more easily and efficiently.

With this program, you can consolidate all your outstanding loans into a single payment while also receiving a bailout fund of up to Rp125 juta to settle your financial obligations. Supported by trusted partners, we facilitate debt restructuring to help you secure lower interest rates and more flexible, manageable repayment terms.

Once the mediation process with the bank is complete, the bailout funds will be disbursed directly to the relevant financial institution. You’ll only need to make a fixed monthly payment to FLIN, with no hidden fees and a fully transparent process.

FLIN operates under the supervision of Indonesia’s Financial Services Authority (OJK) through accredited mediation and fund disbursement partners, ensuring that every step of this program is safe and compliant with regulations.

Don’t let debt hold you back. Apply for FLIN’s Bailout Program today and take a step toward greater financial stability!

Estimated fees and interest rates adjustment for Rp125 juta debt consolidation

 Amount
Loan amount Rp 125.000.000
Tenure24 months36 months
Minimum salary requiredRp 15.200.000Rp 12.200.000
Interest rate4% per month4% per month
Success feeRp 6.250.000 – 12.500.000Rp 6.250.000 – 12.500.000
Total monthly installmentRp 8.200.000Rp 6.600.000

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

Rp
Rp
Kebutuhan dasar, pendidikan, dll
Rp
36 bulan
4.00%
Total Pinjaman
Rp 10.000.000
Angsuran Bulanan
Rp 0
Penghematan Pada Cicilan Per Bulan
Rp 0
Success Fee (Di Awal)
Rp 0
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Eligibility criteria and required documents for Rp125 juta debt consolidation

Check the eligibility criteria and required documents for Rp125 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 > Rp 5 juta

Current outsanding unsecured loan (KTA + Online + Credit Card) should be > Rp 20 juta

Preferably at least High School with a Diploma (D3 and D4)

Rp150 juta debt consolidation

Required documents

Initial Application

4 Documents

Identity Card (KTP)

Clear photo showing all corners, valid & not expired

Bank Statement (6 months)

PDF format, showing salary deposits & all transactions

Annual Tax Document (SPT)

Latest year available, complete tax return

Salary Slips (3 months)

Most recent 3 consecutive months, showing net income

Final Submission

7 Documents

NPWP

Tax identification number certificate

Address Proof

House rent agreement, utility bill, or domicile statement

Employment Certificate

Official letter from HR department with company letterhead

Education Certificate

Latest diploma or degree certificate (scanned copy)

Personal Photo (Selfie)

Recent selfie with clear face, good lighting, neutral background

Existing Loan Agreements

Current loan contracts to be consolidated (KTA, Credit Card, etc.)

Direct Debit Authority (DDA)

Bank authorization for automatic monthly payments

Steps to apply for Rp125 juta debt consolidation

  1. Fill A Form

    Provide detailed information on the application form.

  2. Submit Documents

    Make sure to prepare the necessary documents.

  3. Approval Result

    Receive the official approval result within 72 hours.

  4. Office Visit

    Bring all original documents to our office in Jakarta Selatan.

  5. Program Agreement

    Sign the loan agreement to settle all your existing loans.

  6. Fund Disbursal

    The temporary debt repayment fund will be disbursed directly to the lenders.

See Details

Other Bailout Program fund amounts

Wise steps today, brighter tomorrows

Living debt-free isn’t just a dream. Discover the smartest way to tackle debt with FLIN and #ResetYourLife