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 rate from 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, whose payment can be paid monthly.

Important Information


  • Indonesian citizens (WNI) residing in Jabodetabek, Java Island, Medan, Batam, Tanjung Pinang, Palembang, Denpasar, Cakranegara, and Makassar.
  • Minimum age of 21 and maximum 55 years when the Personal Loan facility is paid off
  • Monthly income:
    • Minimum Rp2,500,000 for the Jabotabek, Bandung, Surabaya, Medan, and Batam
    • Minimum Rp2,000,000 for other areas
  • Employees of BCA Payroll facility participants, or minimum BCA Credit Card membership of 1 (one) year

Document Requirements

Documents required according to the customer’s occupation

Document Type Original/Copy Employee Entrepreneur Professional

Application Form




Business License/TDI/TDP/Practice License*



Income Statement/Salary Slip**




All documents submitted are not returnable.

√ = must be completed
*) requested only when needed.
**) a copy of the income statement/salary slip must be produced by employees whose place of work does not subscribe to the Payroll BCA facility; and a copy of the main bank account other than BCA for the past 3 (three) months for entrepreneurs and professionals.
***) for loan applications up to Rp 50 million, if the applicant does not have an NPWP, a statement must be produced stating that they don’t have one.




Provision Fee

1% of the approved loan or a minimum of Rp100.000

Installment interest rate (flat)

  • 12 months, 1.00%/month (12%/year)
  • 24 months, 1.03%/month (12,36%/year)
  • 36 months, 1.07%/month (12,84%/year)

Late fees

0.28% per day

Administrative costs of expedited repayment

Rp200,000 (repayment can be made at least after 6 (six) installment payments).



Retail - Payroll BCA

Loan ceiling

5 million - 100 million

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