What are the alternative ways to pay for installments?

Installment payment method:

  • Astrapay
  • Auto Debit via Bank Permata, BCA, BRI, BNI, Mandiri
  • Payment via ATM
  • Payment via Transfer/RTGS
  • Cash deposit via Bank Teller
  • Post Office
  • Indomaret
  • Tokopedia
  • Bilyet giro
What if my installment's due date falls in the month that does not have that date? For example: the due date is on the 31st and on that month there is no 31st.

In that case, the due date for installment payment is on the last date of the month, for example: if it is due on the 31st, the payment must be made on the 30th in April.

What should be considered for payments via Transfer and Cash Deposit using a Virtual Account (VA) number?

Things that must be considered:

  1. Installment payment via bank transfer and cash deposit requires a Virtual Account (VA) number
  2. Virtual Account (VA) is an account number for installment payment via Bank Permata using your name as the owner of the Virtual Account (VA)
  3. Make sure you know your Virtual Account (VA) number
  4. Virtual Account (VA) number consists of 16 digits
  5. You will get a Virtual Account (VA) number along with the contract that will be sent to your address after activation
  6. Administrative fees for installment payments via bank transfer and cash deposit can change at any time without prior notification (in accordance with applicable bank regulations)
When is the right time to make an installment payment?

Please make an installment payment maximum 3 (three) days before the due date to avoid late fees.

What is Installment Due Date?

Installment Due Date is the maximum date customer can make installment payment without being subject to fines

How do I get proof of my installment payment?

TAF cannot provide proof of installment payment. A validated ATM receipt or other validated payment documents is proof of payment that you can use. You can download the Installment Table in the Flex apps under the MY ACCOUNT menu.

What if my installment payment is due on a national holiday (including Saturday and Sunday)?

It is recommended for you to make installment payments that are due on national holidays (including Saturday and Sunday) on working days prior to the due date to avoid late fees.

Is the installment payment that I make received immediately (real time) by TAF?

Please be noted that each installment payment method takes time to be recorded by TAF:

  • Astrapay: we will receive your payment 1 days after you make the payment
  • Auto debit via Bank Permata, BCA, BRI, BNI, Mandiri: payment will be received on the day your account is debited
  • Payment via ATM: we will receive payment 1 days after you make a payment
  • Payment via Transfer / RTGS: we will receive payment 1 days after you make a payment
  • Cash deposit via Bank Teller: we will receive payment 1 days after you make a payment
  • Post Office: we will receive your payment 1 days after you make a payment
  • Indomaret: we will receive payment 1 days after you make a payment
  • Tokopedia: we will receive payment 1 days after you make a payment
  • Bilyet Giro: we will receive payment 1 days after you make a payment

How do I find out the amount of my monthly installments and the due date?

You can look at the BILLING menu in the FLEX apps or see the information on the Financing Agreement document or contact TAF Contact Center.

How much is the daily fine for late installment payment?

The amount of fine can be seen in the Financing Agreement document. If the fine is listed as 0.4%, the calculation of the installment fine is as follows: 0.4% x installment size x number of days late, plus late administration fee.

If I choose auto debit as the method of installment payment and late payment occurs, will the fine be debited at once?

The late installment penalty will be debited together with the installment.

How do I claim auto insurance?

Report your claim immediately to the insurance company call center (max 2 x 24 hours). You can see the call center number on your insurance policy.

What are the types of auto insurance?

There are 2 (two) types of Vehicle Insurance:

  1. Comprehensive: Covers the risk of loss/damage in part (Partial Loss) or in whole (Total Loss), which is caused by risks that are not excluded in the policy.
  2. Total Loss Only (TLO): Covers the risk of total loss/damage if the repair cost is estimated to be equal to or exceeding 75% of the price of the vehicle before the damage occurs, and guarantees loss if the vehicle is stolen.
What are the risks guaranteed by the auto insurance?

Damage/loss due to collisions, impacts, overturning, slipping, malicious acts, theft, fire and losses due to ship crossing under the Director General of Land Transportation.

What are the risks that are not guaranteed by the auto insurance?
  • Embezzlement, fraud, hypnosis and the like
  • Overloaded, loaded goods/animals, chemicals
  • Riot, except by extension
  • Natural disasters, except by extension
  • Damage and loss of additional equipment, tires, wheels or worn out materials
  • Malicious acts committed by: The insured himself Husband or wife, children, parents or siblings of the insured People who work for the insured or live with the insured
What are the additional costs when using credit life insurance?

Additional costs:

  1. Premium in accordance with the value of your debt
  2. Administrative costs for credit life insurance
How do I claim credit life insurance?

You or your heir can contact TAF Contact Center or come directly to the nearest TAF Branch Office.

What are the requirements to retrieve BPKB for individual customers?

Customer's original KTP / KITAS / KITAP which is still valid and has a signature.

How do I make a booking for BPKB retrieval for individual customers?

Customers can make a booking for BPKB retrieval in the BPKB RETRIEVAL menu on the Flex apps or contact TAF Contact Center.

What are the requirements for BPKB retrieval for business entity customers (Company/CV/Cooperation/Foundation/Firm)?
  • Original KTP / KITAS / KITAP of the Director or an official who is entitled and authorized to represent the business entity at that time. The identity card must be valid and have a signature.
  • Business entity stamp.
  • Photocopy of Deed of Establishment or Photocopy of Deed of Meeting Statement regarding the latest composition of the management (directors) and supervisors (board of commissioners) of a business entity.
What are the requirements for BPKB retrieval for individual customers represented by someone else?
  • Customer's original KTP / KITAS / KITAP which is still valid and has a signature
  • Beneficiary's original KTP / KITAS / KITAP which is still valid and has a signature
  • Original letter of attorney from the customer to the beneficiary (with Rp10.000 stamp) containing data on the customer and the beneficiary as well as vehicle information for the BPKB that will be retrieved
What should be paid by the customer for accelerated payment?

The customer pays the agreed amount of money plus the penalty calculated from the remaining principal of the loan: (i) 7% (seven percent) if repayment is made within 1 year from the date of the Financing Agreement or (ii) in the amount of 5 % (five percent) if repayment is made more than 1 year after the date of the Financing Agreement. This fee is added with current interest, late administration fees, late fees, towing fees for vehicles and accelerated payment administration fees, as well as other outstanding fees.

How to handle STNK taxes?

How to administer STNK tax through TAF Branch Offices:

Customer provides the original KTP / KITAS / KITAP with the same name as stated on the valid and signed STNK as well as the original STNK along with the tax fee

How to administer STNK Tax personally:

Customer asks for a copy of the BPKB and TAF cover letter through the Flex apps or TAF Contact Center

What if I want to make changes to the credit structure that I have submitted?
You can track the status of your application via the Flex apps on MY ACCOUNT> APPLICATIONS menu
What if I want to track the status of my application that I have submitted?

You can track the status of your application via the Flex apps on MY ACCOUNT> APPLICATIONS menu

What documents are needed for applying for a new vehicle loan?

Dokumen Persyaratan Pengajuan Kredit Kendaraan Baru (Perorangan) Dokumen Wajib

  • KTP / KITAP / KITAS Asli Pelanggan dan bertanda tangan
  • KTP / KITAP / KITAS Asli Pasangan
  • KTP atas nama STNK (jika diperlukan)
  • KTP guarantor (jika diperlukan)
  • NPWP
  • Kartu Keluarga
  • Rekening tabungan atau slip gaji 3 bulan terakhir

Dokumen Pendukung

  • Surat Pemesanan Kendaraan (SPK)
  • ID card atau informasi lain yang mendukung identitas customer
  • Bukti kepemilikan rumah atau kontrak rumah
What documents are needed for applying for a loan on Siap Dana?

Requirements for submitting Siap Dana loan documents (individual)

Mandatory documents

  • Customer's original and signed KTP / KITAP / KITAS
  • Spouse's original KTP / KITAP / KITAS - KTP of the STNK holder (if needed)
  • Guarantor's KTP (if required)
  • NPWP
  • Family card
  • BPKB
  • Savings account / salary slips for the last 3 months

Supporting document

  • Proof of home ownership / house contract
Do I need to inform you of the change in my telephone number or home address / mailing address?

In accordance with the applicable OJK regulations, for transaction security and for smooth communication, you must immediately update your personal and occupation data if there is a change via Flex apps on the PROFILE menu or contact TAF Contact Center or visit the nearest TAF Branch Office.

What is E-Statement?

E-Statement is an installment payment record in the form of a digital copy (soft copy) which will be sent to your registered email address at TAF.

How do I register for an E-Statement?

You can register your email via TAF Contact Center

What if I have registered for E-Statement, but I don't receive it?

If you do not receive an email in your inbox, please check the SPAM / JUNK MAIL folder you are currently using. If you do not receive an email in the SPAM / JUNK MAIL folder, you can contact TAF Contact Center.

What are the available channels for customer complaints?

TAF Contact Center:

Call Center WhatsApp TAF 0895 80 1500 550
Website www.taf.co.id
Email contact.service@taf.co.id

What is the procedure for customer service and complaint resolution?

Customers can file a complaint at TAF Contact Center or the nearest TAF Branch Office.

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