adiraku – Kredit & Pinjaman Android

adiraku, a mobile application offered by Adira Finance for Indonesian customers and society, with a vision to provide various innovative and practical financial solution services for the lives of Indonesian people.

Through Adiraku, Adira Finance strives to connect more closely with customers throughout Indonesia without being limited by distance and time.

Want to know what's in Adiraku?

Automotive and Electric Bicycle Credit
Loans for new cars, used cars, new motorbikes or used motorbikes, and electric bicycles are easier through the Adiraku application. Directly apply for credit using conventional or Sharia schemes with the best promos. You can get your dream vehicle and goods easily, quickly, with the best prices and installments.

Multipurpose Cash Loans
Needs for house renovations, children's education costs, additional business capital and additional funds for tourism can be submitted in the Adiraku application. With a motorbike or car BPKB guarantee, get a loan with competitive interest and a fast process. At Adira Finance, collateral security is our priority, so don't hesitate to apply for a loan at Adira Finance.

General provisions for car, motorbike, electronic goods & furniture loans as well as multipurpose loans
1. Financing value
◾ Motorcycle Credit: IDR 5,000,000 - IDR 2,000,000,000
◾ Car Loan: IDR 50,000,000 – IDR 2,000,000,000
◾ Electric Bike Credit: IDR 1,500,000 - IDR 50,000,000
◾ Multipurpose Fund Loan: IDR 3,000,000 - IDR 500,000,000

2. Flat interest rate per year
◾ Motorcycle Credit: 12% - 40%
◾ Car Loan: 6% - 20%
◾ Electric Bike Credit: 30% - 40%
◾ Multipurpose Fund Loan: 10% - 40%

3. Time period
◾ Motorcycle Credit: 12 - 36 months
◾ Car Loan: 12 - 72 months
◾ Electric Bike Credit: 6 - 24 months
◾ Multipurpose Fund Loan: 12 - 48 months

4. Administrative costs and provisions
◾ Motorcycle Credit: IDR 800,000 - IDR 875,000
◾ Car Loan: IDR 2,700,000 - IDR 4,200,000 and provision of 0.00% - 2.25%
◾ Electric Bike Credit: IDR 250,000 - IDR 300,000
◾ Multipurpose Fund Loan: IDR 750,000 - IDR 3,325,000 and provision of 0.00% - 0.25%

5. Calculation example
◾ Motorcycle credit with a unit price of IDR 30,000,000, initial payment of 10% and tenor of 12 months, then monthly installments of IDR 3,129,000, so the total paid in 1 year is IDR 37,548,000 including unit insurance and personal accident throughout the tenor
◾ Car Loan with a unit price of IDR 250,000,000, initial payment of 20% and tenor of 36 months, then monthly installments of IDR 8,296,000, so the total paid in 3 years is IDR 298,656,000 including unit insurance, personal accident and soul throughout the tenor
◾ Electric Bicycle Credit with unit price IDR 5,000,000, initial payment 10% and tenor of 6 months, then monthly installments IDR 1,145,000, so the total paid in 6 months is IDR 6,867,000

Contract Management
So that you don't pay late and get fined, Adiraku will remind you before the due date. Pay directly via the app, more convenient and secure, or pay via ot

System improvement