HP Credit Terms at Adira Finance Without DP

Rancakmedia.com – For those of you who want a cell phone loan at Adira Finance, there are cell phone credit requirements that you need to fulfill in order to get a cell phone loan at Adira Finance, apparently without a down payment.

In today's digital era, mobile phones have become one of the basic needs for people to interact and share information.

As one of the top financial businesses in Indonesia, Adira is here to offer HP credit services without a down payment, making it suitable for those of you who don't have any money at all but are in need. Check out the following review to find out the terms and methods of HP credit at Adira.

HP Credit Terms at Adira

This time we will discuss the purchase of HP via credit through Adira Finance. Can I get Credit without Adira's down payment? Listen, OK?

Apart from providing motor vehicle loans, Adira is now providing the latest services, namely electronic goods loans, one of which is a mobile phone. Adira even gives credit without the condition of a down payment. The following are the terms, procedures, advantages and disadvantages of HP Credit at Adira.

HP Credit Terms at Adira

To apply for a loan at Adira, there are many criteria that must be met, including the following:

  • Is an Indonesian citizen as evidenced by holding a valid Identity Card (KTP) (KTP).
  • Minimum age of 21 years or married when applying for credit and a maximum of 65 years when paying off credit.
  • Have a minimum income or salary of IDR 1,000,000.00 (one million rupiah) (one million rupiah).
  • Valid ID card and photocopy.
  • Photocopy of Family Card (KK) (KK).
  • Have a home phone or cell phone number that is still operational.
  • Attach a photocopy of marriage certificate for debtors who are married.
  • Latest salary slip for employees/employees or copy of last 3 months place of business account for self-employed persons.
  • Photocopy of the most recent energy bill.

HP Credit Advantage

As a business finance experienced and competent, Adira provides advantages or advantages. Following are the advantages provided by Adira in utilizing HP Credit services:

HP Credit Advantage

  • Low installments and no need for down payments or down payments. That way, you don't need to arrange money in advance to get credit at Adira.
  • The HP credit application procedure is very easy because you only need to prepare the documents needed for administrative reasons.
  • Adira's credit limit is very high compared to other finance companies or financial institutions.
  • The installment payment procedure is very easy because it can be done through a bank, retail shop, or other non-bank financial institution.

Lack of HP Credit

In addition to providing advantages, there are also disadvantages HP Credit without Adira's DP that you must know. Following are the disadvantages of HP Credit at Adira:

  • There is no tolerance for lateness, so installment payments that are not on time (late) will be subject to fines or late fees.
  • Adira's loan interest is quite expensive when compared to Pawnshops or other financial institutions.
    It is difficult to get relief if the debtor has difficulty in the installment payment procedure.

How to Apply for HP Credit at Adira

How to apply for HP Credit without Adira's DP is very easy and not complicated. All you have to do is come to the nearest Adira branch or business that operates with Adira. Following are the procedures for applying for HP loans at Adira:

  1. Come to the Adira branch office or stores that work with Adira.
  2. Ask the Adira salesperson who is on duty there about HP Credit products, types of cellphones that can be credited, installment options, and so on.
  3. Bring the HP credit application requirements, such as the original KTP and photocopy of KTP.
  4. Select the type of cellphone you want and complete all HP Credit processes instructed by sales.
  5. After applying for a loan, Adira Finance staff from the nearest branch office will conduct a survey. If
  6. You pass the survey and meet the requirements, a new phone will be delivered to your home address.
  7. For loan installment payments at Adira, you can go through the nearest Adira Finance branch office or you can also use a bank transfer. Due to the introduction of the penalty system, you must make your installment payments on time.

Lack of HP Credit

You can check the installment due date regularly so you don't get late fees. Before choosing to receive credit, you should first survey the price of your cell phone.

Then check the Adira HP Credit simulation via the URL https://www.adira.co.id/simulation-credit/. That way, you can find out the estimated amount of installments that must be paid each month.

By filling out a cell phone survey, you will also know more about the characteristics of the phone you want. Don't forget to ask the Adira sales about the interest rate and financing period, because each outlet or partner shop has its own policy.

5. HP Credit Simulation at Adira Without DP

To better understand the criteria and how to apply for an HP loan without Adira's DP, you can visit Adira's official website at https://www.adira.co.id/. Because the credit system is without a down payment, you also don't need to arrange a down payment.

You can also verify your credit simulation by asking the seller directly or visiting the Adira credit simulation website via https://www.adira.co.id/simulation-credit/ to get an idea of the credit you will take.

In order for you to better understand the amount of HP loan installments at Adira without a down payment, the calculation below is a credit simulation with the amount of AADM (Instalments to be Paid in Advance), so the amount of installments with average interest rates can change and change at any time.

Conclusion

Adira Finance is one of the leading financial businesses in Indonesia. Adira provides HP Credit services without a down payment, making it suitable for those of you who don't have any money at all but are in need. The following are the terms, procedures, advantages and disadvantages of HP Credit at Adira.

Adira's loan interest is quite expensive when compared to Pawnshops or other financial institutions. There is no tolerance for lateness, so installment payments that are not on time (late) will be subject to fines or late fees.

How to apply for HP Credit without the Adira DP is easy and hassle-free. Adira's HP credit system is without a down payment, so you don't need to take care of Adira's DP. Don't forget to ask the Adira sales about the interest rate and financing period, because each outlet or partner shop has its own policy.

Thus the information about the terms of the HP credit at Adira Finance without a DP, I hope the article above can be useful and helpful for all of you.

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