21 Jun 2022 | Edukatips

Benefits of Unsecured Loans for Multipurpose Needs

Unsecured loan (KTA) is a loan facility for customers that doesn’t require collateral. However, one should remain tactful if he/she is applying for a KTA. Despite being the most sought-for loan, borrowers shall exercise financial discipline. Not only that, KTA must be taken from a trusted lender that is registered with the OJK.

What is an Unsecured Loan (KTA)?

Unsecured loans (KTA) are loans that don’t require collateral to secure the loan.

KTA BCA, known as BCA Personal Loan, is an unsecured loan intended for employees, entrepreneurs or professionals. KTA can help customers access funds to finance education funding, business capital, home renovation, and many more.

Currently, BCA Personal Loan applications can be submitted in Jabotabek, Bandung, Semarang, Yogyakarta, Magelang, Surakarta, Surabaya, Mojokerto, Medan, Batam, Tanjung Pinang, Palembang, Denpasar, Cakranegara, and Makassar.

Benefits of BCA Personal Loan

Apart from being collateral-free, KTA also offers other benefits, including:

1. Simple Requirements and Reliable Service

BCA customers will find it easy when applying for BCA Personal Loan because the requirements are fairly simple. Besides, banking services are more reliable in providing loans across different customer segments.

2. Fast process with flexible term options

The BCA Personal Loan application and approval process takes approximately 14 business days after the bank receives the application and complete documents. The funds will be disbursed approximately 1 business day after the application is approved. Furthermore, the loan term is flexible and can be adjusted to customer’s ability, namely 12 months, 24 months, and 36 months.

3. Low interest rates

The terms to apply for BCA Personal Loan are as follows:

  • Indonesian Citizen
  • At least 21 years old & maximum of 55 years old (by the time BCA Personal Loan is paid off)
  • Monthly income:
    • Minimum Rp2.5 million for Jabotabek, Bandung, Surabaya, Medan and Batam
    • Minimum Rp2 million for other regions
  • Employees of BCA Payroll facility participants, or minimum BCA Credit Card membership for 1 (one) year

Entrepreneurs & professionals with minimum 1 (one) year BCA Credit Card membership

  • Documents required according to the customer’s occupation

Document Type









Business License/TDI/TDP/Practice License*



Income Statement/Salary Slip**




All documents that have been submitted are not returnable.

✓ = Must be completed

*Requested only when needed

**A copy of income statement/salary slip must be produced by employees whose place of work does not subscribe to Payroll BCA facility; and a copy of main bank account other than BCA for the past 3 (three) months for entrepreneurs and professionals

***For loan application of up to Rp50 million, if the applicant does not own a NPWP, a statement must be produced stating that he/she doesn’t have NPWP.

Well, it sums up the information about BCA Personal Loan services. Before applying for a loan, make sure that you fulfill all requirements. It is imperative to ensure your financial condition and management remain healthy in the future.

For more information about BCA Personal Loan, please click the button below.