4.7
32.7K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Cash loans of up to IDR 25 million with an easy and secure process—exclusively for those who receive their salary in a Bank Raya or Bank BRI account!

Pinang Flexi is a Bank Raya product designed to help you meet various financial needs quickly and conveniently. As Indonesia’s pioneer in app-based loans, Pinang Flexi offers the very best in service and reliability.

👉🏻 Why choose Pinang Flexi?
• Loans Up to IDR 25 Million with Competitive Interest.
Find flexible solutions for your financial needs.

• Repayment Terms up to 18 Months
Choose a plan that best fits your budget.

• Easy Requirements
Apply using only your KTP, plus enhanced security with selfie verification.

• Hassle-Free Repayment
Installments are automatically deducted from your salary account.

👉🏻 Loan Simulation
If you borrow IDR 1,000,000 for 12 months with a 1.5% monthly interest, your monthly installment is IDR 98,334, for a total repayment of IDR 1,108,008.

Don’t wait any longer! Download Pinang Flexi now and discover a simpler way to finance your needs—straight from your phone.

Have a question or need more information?
You can reach Sapa Raya through:
Contact Center: 1500 494
WhatsApp: 0812 1000 0494
Telegram: t.me/RayaDigitalSupportbot
Instagram: @bankraya
Website: https://bankraya.co.id/

PT Bank Raya Indonesia Tbk is licensed and supervised by Otoritas Jasa Keuangan and is a member of Lembaga Penjamin Simpanan
Updated on
Jun 17, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.7
32.6K reviews
Aprizha Nugroho
June 18, 2021
Been trying to apply for a loan for weeks now, but everytime I try to verify my payroll, it's automatically declined. Nothing is wrong with my payroll ya. Already tried to contact the call center, both by phone and email, but still haven't get any solution. Wait, my email doesn't even get a reply! What a shame! Useless CC agents too. What a joke!
40 people found this review helpful
PT Bank Raya Indonesia Tbk.
June 24, 2021
Kami mohon maaf atas kendala yang dialami. Untuk pengecekkan dan tidak lanjut dapat menghubungi Call BRI Agro 1500494 mulai pukul 06.00 s/d 22.00 WIB. Tks
Maria Feliciana
August 11, 2020
Very great application and easy to use. The process of applying micro bank loan is very easy and fast. Just fill in the form and the approval process only takes less than 30 minutes. Great job!
12 people found this review helpful
Cynthia Vidya C
June 13, 2020
Very useful application, it's simple and easy to use, really helps me cause have a lot of helpful features. Layanan serta fiturnya pun lengkap. I really recommend this app!
8 people found this review helpful

What’s new

Make change is fun you know!

For example, you make your bed, get your hair cut, get dressed so you look stunning.

The action is simple, the impact is crazy.

That's what Pinang Flexi does, there are always changes.

Let you be even more excited to use it ~

Kuy, update now.

App support

About the developer
PT. BANK RAYA INDONESIA TBK
muhammad.fahry@bankraya.co.id
Menara BRILiaN 16th Floor. Jl. Gatot Subroto No. 177A RT. 009/001 Kav. 64 Kel. Menteng Dalam, Kec. Tebet Kota Administrasi Jakarta Selatan DKI Jakarta 12870 Indonesia
+62 852-9516-5938

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