SMS Finance Loyalty Benefit Showroom Program 2026

26 Mar 2026

Program Loyalty Benefit Showroom 2026 SMS Finance

Great news for showrooms partnering with SMS Finance!

Contributing showrooms can enjoy attractive benefits from SMS Finance, ranging from commissions worth millions of rupiah to vacations to local and international tourist destinations!

How can you get these benefits? What are the terms and conditions? Find out more below!

2026 Showroom Loyalty Benefit Commission Program

1. General Provisions

Participation in this program is limited to used car showrooms that have collaborated or partnered with SMS Finance.

Loyalty is calculated based on the number of vehicle purchase financing contracts (Carfin Products) contributed by each showroom.

2. Monthly Loyalty Commission

The amount of commission given to showrooms is determined based on the monthly sales contribution achieved. The commission value ranges from IDR 1,000,000 to IDR 3,000,000 per application.

Note:

• The total number of applications per month is calculated using End Of Month marketing SMS Finance data.
• One-year financing applications are not eligible for Monthly Loyalty commissions.
• The minimum Net to Finance (NTF) for tenors of 2, 3 to <4 years or as per the tenor table above is IDR 90,000,000, while for tenors of ≥4 years it is IDR 60,000,000. If the NTF of an application is below the minimum, it will be calculated proportionally.
• If the NTF is ≤ IDR 50,000,000 for all tenors in one application, it will not be calculated proportionally, but will be calculated as the total application per month for the Monthly Loyalty Commission.
• Proportional incentive calculations will be calculated using the following formula Proportional Calculation = NTF per Application Minimum NTF per Tenor Application ×Monthly Loyalty Commission

Example of proportional calculation per month:

3. Loyalty Benefit Tour

The Loyalty Benefit Tour is given to showrooms as a token of appreciation for their contributions to SMS Finance over the past 12 months.

Note:

• The program runs for 12 months, from January 16, 2026 to January 15, 2027.
• The final tour destination will be decided by SMS Finance Head Office (HO). Showrooms cannot choose.
• The main participant is the showroom owner. If unavailable, a replacement approved by the owner may join, with required documents submitted to SMS Finance.
  Example: showroom manager (with a letter from the owner), or family members such as spouse, child, parent, or in‑law (with ID card and/or family card copy).
• SMS Finance covers round‑trip airfare from the participant’s city to Jakarta, plus transport, lodging, and meals in Jakarta, according to the tour schedule.
• SMS Finance may reduce points or cancel participation if financing applications referred by the showroom show negative profitability by December 2026.
• Decisions on point deductions or participation are fully determined by SMS Finance HO.
• As appreciation for positive showroom profitability, an extra commission will be given at the end of the period, up to IDR 150,000 per application, based on SMS Finance criteria.
• Estimated departure from each destination will be at least 30 days after the program ends.
• SMS Finance may adjust terms if natural disasters or pandemics occur.
• SMS Finance may postpone or cancel the tour if fraud or misconduct is detected.
• The tour benefit cannot be exchanged for cash.
• The benefit will be forfeited if not accepted by the showroom.
• If a showroom wishes to add family members to join the tour, all additional costs must be borne by the showroom and paid directly to the designated travel agency.

4. Others Terms

The decision on which showrooms receive loyalty benefits is entirely at the discretion of SMS Finance, including any changes that may occur in the future and other matters not covered in these Terms and Conditions.

Take advantage of the 2026 Showroom Loyalty Benefit Program from SMS Finance!

SMS Finance is licensed and supervised by the Financial Services Authority.