Personal Loan

Loan for every needs

Why BCA Personal Loan?

Funds Available

Loans without collateral up to IDR 100,000,000


Easy and quick application process

Light Payment

Low interest only 1% with light installment terms from 1, 2, and 3 years

Personal Loan

About Important Information Fees & Limits Get the Product

Personal Loan

BCA Personal Loan is a loan without collateral that can be used for various customer needs, the payment can be paid in installments per month with a tenor that can be adjusted.

Important Information


  • Indonesian citizens in Jabodetabek, Bandung, Semarang, Yogya-Solo, Surabaya, Medan, Batam, Palembang, Bali and Makassar
  • BCA Card Holder
  • Permanent Employees/Entrepreneurs/Professionals with minimum 2 years employment
  • Minimum income of IDR 2,500,000 for the Jabodetabek, Bandung, Surabaya, Medan and Batam areas
  • Minimum income of IDR 2,000,000 for other areas
  • Age 21-55 years when the Personal Loan facility is paid off

Document Requirements

  • BCA Personal Loan application form
  • Photocopy of the applicant's KTP
  • Original Salary Slip/Income Certificate for the last 1 month for employee
  • Photocopy of savings account transaction for the last 3 months for entrepreneur or professional
  • Photocopy of Credit Card front and back area
  • Photocopy of the applicant's NPWP (for application of IDR 50,000,000 above)

Fees & Limits



Biaya Provisi

1% dari pinjaman yang disetujui atau minimum Rp100.000

Suku bunga angsuran (flat)

  • 12 bulan, 1.00%/bulan (12%/tahun)

  • 24 bulan, 1.03%/bulan (12,36%/tahun)

  • 36 bulan, 1.07%/bulan (12,84%/tahun)

Denda Keterlambatan

0,28% per hari dari angsuran

Biaya administrasi pelunasan dipercepat

Sebesar Rp200.000 (Pelunasan dapat dilakukan minimal sudah 6x membayar angsuran).

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