Frequently Asked Questions

FLIN’s office is located at Maybright Asia Pacific Pte Ltd. 160 Robinson Road, #14-04, SBF Center Singapore 068914. 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.

1. For more information, you can contact FLIN through What’sApp at +62 818 077 42222
2. Send an email to care@flin.co.id. 
3. You can also contact us via our social media channels, Instagram and Facebook.

You can fill out the registration form on the FLIN website or contact us using one of the methods above. Our team will be happy to assist you with your debt relief needs.

You must be a local Indonesian Citizen with an Identity Card (KTP), ideally between 27 and 45 years old.

FLIN provides the following services to ease your debt burden. We negotiate with financial institutions to lower interest rates and consolidate multiple loans into manageable monthly installments/ payments.

1. Debt consolidation, 
2. Debt restructuring and
3. Debt refinancing

1. Please fill out a simple form and submit all existing loan details with outstanding balances (KTA, Online Loans, BNPL, Secured Loans, Multi-purpose loans, etc.). 
2. Submit the following documents.
   1. Last 6 Months all Bank Statements (PDF Format)
   2. Latest three months’ Salary Slip
   3. Annual Tax Document (SPT)
   4. KTA
3. Get an In-principle approval* (IPA) on your new loan (refinancing amount) within 72 hours.
4. Visit our office at GoWork Sopo Del Tower, 22nd Floor, Jl. Mega Kuningan Barat III, Lot 10. 1-6 Kawasan Mega Kuningan, South Jakarta along with all original documents per the IPA’s conditions.
5. Sign the loan agreement to settle all your existing loans.
6. Chill and relax as our partner’s financial institute disburses the new loan with an extended tenor and reduced interest to settle all your outstanding dues

Be stress-free and enjoy life. 

1. FLIN requires the above documents and other personal data to assess your financial health accurately and provide a personalized debt relief and refinancing solution tailored to your current financial capabilities. 

   We take the privacy and security of your data seriously.

Yes, FLIN thoughtfully considers the privacy and security of our client’s personal data and has implemented measures to protect such data. Please refer to our Privacy Policy.

You can benefit from personalized debt consolidation, restructuring, and refinancing solutions that help you regain control of your financial health. You can save up to 70% on your existing loans and be debt-free over a period of time.

Our financial consultants and partners, who have years of experience in the industry, will help you reduce your debt burden and relieve you from the continuous harassment of collection agents.

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.

Debt reduction depends on various factors and cannot be 100% guaranteed by FLIN. The outcome depends on negotiations between FLIN, the client, and the existing lender. 

However, we can help most clients significantly reduce or restructure their loans based on our expertise.

Debt relief could help you regain financial stability. If you face any challenges or problems below, our debt relief program can be a good option. 

1.) Unable to manage multiple loans

2.) Challenges in paying high monthly loan installments

3.) Facing difficulties from collection agent

4.) Paying excessive interest rates on loans

5.) Have multiple small-tenor loans from online and P2P lenders

6.) Feeling mental stress due to high debt burden

8.)  Wants to reduce financial leverage

9.)  Unable to meet financial commitments due to high debt burden

10.) Delay in higher education, getting married, having kids due to high loan burden

FLIN can help with most unsecured debts, including personal loans, credit card debts, consumption loans, multi-purpose loans, BNPL (Buy Now Pay Later), KTA, and Online loans.

Debt relief can have varying impacts on your credit score. Completing the program and settling your debts can significantly improve your credit rating at OJK-regulated CLIK and other Credit Bureaus in Indonesia.

With an improved credit score, you can buy a new house, car, or any other KTA from formal banks at a much lower interest rate.

The cost of debt relief varies depending on the program you qualify for. FLIN’s debt relief programs are structured to ensure that even after paying our fees, you save significantly on your total outstanding debt. The associated fees are as follows:

1. Success Fees (Upfront): Up to 10% of savings provided to you 
2. Success Fees (added to the New Loan Amount): Up to 10% of savings offered to you

New Loan Amount: Bank-grade interest is charged directly by the lender. Please note that there is a significant savings on monthly interest payments compared to online loans or BNPL.

Your savings depend on your debt load, financial profile, and the specific debt relief program you qualify for. On average, clients can save 10% to 70% on their total outstanding debt load.

FLIN helps with unsecured debts such as credit card debt, KTA, online loans, BNPL, and personal loans. 

1. During our program, we cannot assist with secured loans (like housing loans) now. 
2. After completing our program, you will be free from all your unsecured loans and may keep on paying your existing secured loans.

No, FLIN’s debt relief solutions are entirely transparent. All associated program fees and saving benefits will be disclosed before you enroll in our program. 

We guarantee that there are no hidden fees. If you find any hidden costs, you can exit the program at any time during the program or loan tenure.

Yes, debt settlement is a legitimate and legal practice. FLIN complies with all Indonesian laws and regulations to provide legal and ethical debt relief services.