Pinang Flexi

Pinang Flexi is a salary-linked loan app that puts up to IDR 25 million within reach—designed exclusively for employees with Bank Raya or Bank BRI accounts. Apply in minutes with just your ID and a selfie, then access funds straight from your phone.

Borrow what you need, repay on your terms. Choose loan amounts and repayment periods up to 18 months that match your budget. Interest rates are competitive, and the math is transparent: borrow IDR 1,000,000 over 12 months at 1.5% monthly interest, and your fixed installment is IDR 98,334 per month. No surprises, no hidden fees.

The application process is genuinely simple. You'll need your KTP and a selfie for identity verification—that's it. No lengthy forms, no waiting days for approval. Everything happens through the app, so you can apply whenever it suits you, from anywhere.

Repayment is automatic. Your monthly installment is deducted directly from your salary account, so you never miss a due date. This built-in structure makes managing the loan easier and keeps you on track without extra effort.

Pinang Flexi exists to solve real financial needs—whether you're covering unexpected expenses, making a purchase, or bridging a gap until your next paycheck. The app was built by PT Bank Raya Indonesia Tbk, a licensed financial institution regulated by Otoritas Jasa Keuangan and backed by Lembaga Penjamin Simpanan. That means your data and transactions are handled with the security standards you'd expect from a regulated bank.

Salary account holders at Bank Raya and Bank BRI are the exclusive audience for this product—a deliberate choice that lets the lender extend favorable terms to a verified, low-risk group. If you qualify, the application takes minutes and approval is fast.

Download Pinang Flexi today and discover how straightforward a loan can be when it's designed around your salary and your schedule.