Multiproduct
Multiproduct Financing Facilities
A. Key Features
Kreditplus (PT KB Finansia Multi Finance) offers multipurpose financing for a wide range of products, including:
- Gadgets
- Home Appliances
- IT & Communication Devices
- Audio/Video Equipment
- Furniture
- Other Eligible Items
B. Benefits
- Purchase electronic products through installment payments without a credit card.
- Take home the item immediately after paying the down payment (DP), first installment, administrative fees, and insurance.
- Installment amounts can be adjusted to match your monthly income.
- Easy loan application process—apply via the app without leaving your home.
- Convenient installment payments through multiple channels:
- Branch cashier
- Payment points (Indomaret, Alfamart, bank transfer)
- Kreditplus Mobile app
C. Financing Terms
- The financed products must be brand new and purchased from stores or dealers affiliated with Kreditplus.
- Financing amount calculation: (Product Price - Down Payment + Insurance).
- Financing range: Above IDR 1.5 million.
- Maximum tenure: 2 years.
- Interest rate: Starting from 1.99% per month, applicable for a 1-year financing tenure.
*Interest rates may change at any time based on company policy.
D. Requirements and Procedures
- Must be an Indonesian citizen (WNI) aged at least 21 years old or married.
- Minimum monthly income: IDR 1.8 million.
- Private sector employees: Must have been employed for at least 1 year.
- Self-employed professionals: Must have been in the same business for at least 2 years.
- Maximum distance between residence and Kreditplus branch:
- 30 km from a Kreditplus branch.
- Maximum travel time: 60 minutes.
- Must submit all required documents.
E. Risks
- Late payment penalties will be applied for overdue payments.
- Credit history will be negatively recorded in SLIK OJK if payments are overdue for up to 180 days.
F. Fees
Applicable fees include provision fees, administrative fees, asset insurance, life insurance, collection fees, and installment payment administration fees in accordance with company policies.
G. Additional Information
Not all of our branch offices provide this financing service. For more details, please contact our Customer Service at Contact Center: (021) 1500605.
