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KKB Financing

Best solution for new or used car financing

Why BCA Loans?

Various Payment Plan

A wide selection of innovative financing programs according to your needs

Easy Requirements

Simple application requirement with relatively quick approval process

Fixed Amount

Free from an increase in the installments because the installments are light and the amount is fixed

KKB Pembelian

About Important Information Fees, Limits, and Rates Get the Product

KKB Car Financing

Motor Vehicle Loans as a solution for new or used car financing.


Competitive Rate
With flat and fixed interest rate, the installment amount will not change at the certain time during the loan period
Monthly installment will be automatically debited directly from the BCA account
Guaranteed security for BPKB deposit at BCA during the loan period

Important Information


  • Indonesian citizens
  • Permanent Employees/Entrepreneurs/Professionals/Companies
  • Minimum 2 years employment (permanent)
  • Minimum age 21 years or married
  • Maximum age of 64 years when the credit ends
  • The vehicle must be insured through KKB BCA
  • Comprehensive insurance for the first year and at least TLO for the following year (except TLO commercial vehicles during the credit period)
  • Payment via auto debit

Document Requirements

  • KKB Application Form (Must be attached at the beginning of the credit)
  • Copy of husband dan wife’s e-KTP
  • Copy of Family Card (KK) and NPWP
  • Copy of Marriage Certificate (If the ID Card/Family Card has different addresses)
  • The earliest of property tax (PBB)/Newest electricity bill.*)
  • Salary slip for employee/Trading business permit (SIUP) for entrepreneur.*)
  • BCA account statement for the last 3 month (And account statements from other bank if necessary)
  • Photocopy of the applicant's KTP
  • Photocopy of Husband/Wife's KTP, Family Card, Marriage/Divorce Certificate
  • Photocopy of home ownership certificate/AJB a.n. customer
  • Photocopy of BCA Savings Account & Current Account for the last 3 months
  • Photocopy of NPWP
  • Photocopy of SIUP
  • Photocopy of Practice License (for Professional)
  • KKB Application Form (Must be attached at the beginning of the credit)
  • Copy of SIUP, TDP, NPWP, and SKDP/ Identical domicile for company name, address, and person in charge
  • The Articles of Association that have been adjusted to "UU PT Th. 2007" with the attachment of SK Menkuham/Acceptance Letter of Company Data Change Notification from the Ministry of Law and Human Rights, and other subsequent deeds up to the latest one
  • Copy of ID card of all Board of Directors and Shareholders listed in the latest Deed of Board of Directors and Shareholders composition
  • Company's bank statements for the last 3 months (BCA and other banks)

Note :

If late payment of installments occured, fine will apply as stated in the Financing Agreement that has been signed by the Consumer

*) Not required for Soliter dan Prioritas Customer and also Borrower

Fees, Limits, and Interest Rates

KKB Promo at BCA Expoversary 2024

Tenor Regular (% Flat p.a)
1 2 3 4
2.67% 2.85% 2.75% 3.65%

*The maximum period for realization / disbursement is July 31, 2024

Fix & Cap Program New Passenger Cars

Fix & Cap 5 Years
(% Flat p.a)
Fix & Cap 6 Years
(% Flat p.a)
Fix 3 Years Cap 2 Years Fix 4 Years Cap 2 Years
5.33% 6.77% 6.10% 7.15%

Valid from: May 9 to July 31, 2024

New Passenger Cars

Tenor Reguler (% Flat p.a)
1 2 3 4 5
3.00% 3.50% 3.75% 4.25% 6.88%


- Minimum combination insurance

- Valid from: May 9 to July 31, 2024

Pure Down Payment and Provision

Condition Pure Down Payment Provision (IDR)

New Car*


1% or 0% exclusively for applications via KKB BCA Virtual Mall**

Electric Vehicle New Car (EV)


* Especially for Priority / Solitaire / Productive Credit Debtors, for the purchase of a new car, free of charge
**The application is made at and requires using extended insurance (RSCC, RSMB, and TJH IDR25/50 Million)

Valid from: May 9 to July 31, 2024

KKB BCA Fiduciary Fees

Principal Debt Fiduciary Burdening Fee Notary Fees Total Fiduciary Fees
IDR0 - <=IDR50,000,000 IDR50,000 IDR250,000 IDR300,000
>IDR50,000,000 - <=IDR100,000,000 IDR100,000 IDR250,000 IDR350,000
>IDR100,000,000 - <=IDR250,000,000 IDR200,000 IDR300,000 IDR500,000
>IDR250,000,000 - <=IDR500,000,000 IDR450,000 IDR300,000 IDR750,000
>IDR500,000,000 - <=IDR1,000,000,000 IDR850,000 IDR150,000 IDR1,000,000
>IDR1,000,000,000 IDR1,800,000 IDR200,000 IDR2,000,000

Valid from: May 9 to July 31, 2024

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It's time for the dream vehicle to come true, make it happen with KKB BCA now!
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