Frequently Asked Questions

FLIN is an innovative platform offering debt management solutions, specifically consolidation, restructuring, and debt repayment financing through the Loan Assistance Program.
Through this platform, we aim to help borrowers facing challenges in repaying their loans or trapped in debt so they can regain control over their financial situation.

Currently, we assist in settling unsecured loans such as KTA, credit cards, online loans, and paylater services.

Debt consolidation is the process of combining multiple loans into one single loan with a lower interest rate, extended tenor (up to 36 months), and fixed monthly payment. This simplifies debt repayment and reduces financial stress.

Yes, FLIN is a brand of PT FLIN Consultancy Indonesia. We are a registered company with all relevant authorities in Indonesia. We comply with all local regulations to ensure the legitimacy and security of our services.

FLIN’s office is located at GoWork Sopo Del Tower, 22nd Floor, Jl. Mega Kuningan Barat III, Lot 10. 1-6 Kawasan Mega Kuningan, South Jakarta, Indonesia. Our complete address is in the “Contact” section of this website.

FLIN operates Monday – Saturday, 09:00 – 18:30 WIB. We are not active on weekends and national holidays.

The Bailout Program offers a reliable solution through our trusted lending partner by sending funds directly to lenders to settle debts, unlike online loans (pinjol), which deposit fresh funds into the borrower’s account.
– Online loans typically require a good credit score for approval, whereas this program helps improve a poor credit score by ensuring debts are paid off.

1. Indonesian citizen with a valid ID (KTP).
2. Resides in Jabodetabek, Bandung, Surabaya, or Bali.
3. Salaried employee working in a private company with minimum 50 employees, government institution, or state-owned enterprise (BUMN).
4. Permanent employees with minimum 3 years of total work experience and at least 1 year in the current role.
5. Contractual employees with at least 2 years of contract and the contract renewed in last 1 year.
6. Current net take-home salary of more than Rp5,000,000.
7. Outstanding unsecured loan balance exceeding Rp20,000,000.
8. Minimum education level: high school graduate or diploma (D3/D4).

FLIN’s Bailout Fund Program is designed to ensure that even after our service fees, you still achieve significant debt savings. The associated fees include:
– Interest Rate: 3-4% per month (on the principal loan amount), charged by our Lending Partners.
– Success Fee (Upfront Payment): Up to 10% of the total savings you gain.

– Fill out the consultation form.
– The FLIN team will contact you for a free consultation session.
– Complete the Bailout Program application form and provide the required supporting documents.
– FLIN’s credit analysts will conduct an interview and issue an approval letter (IPA) for your confirmation if all requirements are met.
– FLIN will mediate and negotiate your debt with all relevant parties.
– Make the success fee payment before the loan assistance funds are disbursed to the creditors.
– Repay the loan assistance in monthly installments as agreed.

Debt relief can have varying effects on your credit score. Successfully completing the program and paying off your debt can significantly improve your credit rating in CLIK, which is regulated by OJK, as well as other credit bureaus in Indonesia. With a better credit score, you may qualify for new home or car purchases, or other personal loans from formal banks at much lower interest rates.

Clients are required to visit the FLIN office to make the success fee payment and follow the debt repayment procedure for all relevant creditors.

Currently, we assist in settling unsecured loans such as KTA, credit cards, online loans, and paylater services.

No, FLIN only supports debt consolidation for loans from official financial institutions.

– Fill out the consultation form.
– The FLIN team will contact you for a free consultation session.
– Complete the Bailout Program application form and provide the required supporting documents.
– FLIN’s credit analysts will conduct an interview and issue an approval letter (IPA) for your confirmation if all requirements are met.
– FLIN will mediate and negotiate your debt with all relevant parties.
– Make the success fee payment before the loan assistance funds are disbursed to the creditors.
– Repay the loan assistance in monthly installments as agreed.

No, he bailout funds will be directly paid to the creditor and/or the relevant bank.

FLIN requires documents and your personal data to accurately assess your credit report and offer the most suitable debt relief solution based on your current financial situation. Rest assured, we take your privacy and data security seriously.

While some steps can be completed online, clients are required to visit the FLIN office to pay the success fee and follow the debt repayment procedures with the relevant creditors.

Loan consolidation reduces financial stress by streamlining employee debt repayment, and saving them through direct and indirect harassment of Debt Collectors. It leads to the overall employee well-being.
By addressing financial stress and mental anxiety, employees can focus better at work, improving productivity and overall workplace morale.

For employees, the program offers financial relief and a clear path to debt free-life. For companies, it enhances productivity, reduces absenteeism, and fosters a positive work environment by supporting employees’ financial well-being.
Importantly, the employee gets freedom from debt-collectors visiting the workplace to collect outstanding loans.

Yes, the Bailout Program is safe. FLIN collaborates with trusted financial institutions registered with the Financial Services Authority (OJK) in Indonesia, ensuring secure and transparent processes.

Below is a summary of the applicant requirements for the program:
– Indonesian citizen with a valid ID (KTP).
– Resides in Jabodetabek, Bandung, Surabaya, or Bali.
– Salaried employee working in a private company, government institution, or state-owned enterprise (BUMN).
– Minimum 3 years of total work experience and at least 1 year in the current role.
– Current net take-home salary of more than Rp5,000,000.
– Outstanding unsecured loan balance exceeding Rp20,000,000.
– Minimum education level: high school graduate or diploma (D3/D4).