adiraku – Kredit & Pinjaman

PT Adira Dinamika Multi Finance Tbk.

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About this app

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 other payment channels and stay comfortable with payment notifications directly in the app.

adirapoin
Pay installments on time on all payment channels, you can get Adirapoints which can be used to pay installments or exchange for various Adira Finance partner vouchers, such as telephone credit, electricity, shopping, food and electronic money. Play fun games and do various activities in the application to get additional adirapoint bonuses.

Services
Need Customer Service assistance? Adiraku provides a Help menu to answer all your questions via FAQ information, send it via Ask Us or live chat 24/7 with the official Adira Finance Whatsapp account.

So what are you waiting for, come on, download Adiraku immediately and enjoy unlimited services from Adira Finance.

Adira Finance is registered and supervised by the Financial Services Authority.

Ratings and reviews

very bad. slow, not responsive. pay more than 1 accounts, cannot done instantly. must wait 2 weeks between accounts. very very bad apps for big financial institutions. big dissapoints.

Used to pay my bills using this app, now it does not work. It does not even show my contract, and I cannot pay my bill. I have some money to pay my bill, but now my money is stuck in this app. I hope Adira resolve this soon, and waive late charges, as this is their technical glitch.

Really bad app.i tried login many times but I couldn't....i just wanted to see my history payment,reward points and always failed.it just bad happened and always like this.you gotta get solution for your consumers if you don't want consumers runaway.

What’s new

System improvement