Your First Step To Be Free from Debts
Managing your loans for a peaceful future is made easy and secure with our Bailout Program.
Bailout Program
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Live Life Fully, Debt-Free Truly
With the Bailout Program from FLIN, restructure your debt and regain control of your financial future
Debt Consolidation as An Absolute Solution
Bring everything together in one step. It's time to take full control of your life
Simplify Debt Repayment
Repay multiple loans under one plan. It's practical, secure, and manageable.
Flexible Repayment period
Extended repayment time gives you more room to breathe for financial ease
Low Interest, Minimal Fees
Lighter payments with smaller interest rates make repayment easier to achieve.
Improve Credit Score
Manage your debt wisely, boost your credit score, and regain trust with financial institutions.
Easier Negotiation with Financial Institutions
Enjoy smoother negotiations with financial institutions, making debt resolution simpler.
Better Monthly Financial Health
With improved debt management, your monthly finances become more stable and controlled.
Types of Debt
Manage and Simplify Loan Consolidation Hassle-Free
User Eligibility
If you meet the following criteria, you are eligible to participate in this program
- Indonesian citizen (WNI) with a valid Identity Card (KTP).
- Residing in the Jabodetabek area, Bandung, Surabaya, or Bali.
- Minimum education level of Senior High School (SMA) or a Diploma 3/4 (D3/D4).
- Steady income with a minimum monthly salary of IDR 5 million.
- Employed in a permanent position with at least 3 years of work experience.
- Current total debt exceeds >IDR 20 million.
Frequently Asked Questions
A: The Bailout Program by FLIN is a financial solution designed to simplify your finances by consolidating multiple loans into one manageable payment. FLIN negotiates with lenders to restructure your debt, lower interest rates, and create a personalized, affordable repayment plan.
A: The Bailout Program offers a range of benefits to ease your financial burden. It combines several loans into one simplified payment and lowers high-interest rates through refinancing. It helps rebuild your credit score that is affected by overdue loans, restoring financial trust. The vision is to also eliminate the stress of collection calls and penalties while providing a flexible, personalized repayment plan tailored to your needs.
A: If you need to try our solution, you may follow these steps:
1. Submit your personal information and details of all existing loans using the form provided by FLIN.
2. Upload your bank statements, salary slips, tax documents (SPT), and loan agreements.
3. Receive your In-Principle Approval (IPA) within 72 hours.
4. If approved, bring your original documents to our Jakarta headquarters for verification.
5. Finalize the consolidation and refinancing terms by signing the loan agreement.
6. Our partner financial institution will settle your existing loans with an extended tenure and lower interest rates.
A: Yes, FLIN charges certain fees to ensure a smooth and effective debt restructuring process.
The following fees apply:
- Processing Fee: A one-time fee charged for processing your loan application and documentation.
- Service Fee for Negotiation & Restructuring: This fee covers the cost of FLIN’s expert negotiation with lenders to reduce your outstanding debt, restructure repayment terms, and secure best interest rates for you..
A: Absolutely! The Bailout Program is designed for borrowers with multiple types of unsecured loans, including credit card debt, Buy-Now-Pay-Later (BNPL) loans, personal loans (KTA), P2P loans, and multipurpose loans.