Tangerang, 6 February 2026 – BCA Expoversary 2026, held offline from February 5–8 at ICE BSD City, offers a wealth of important information for customers. One of the highlights is practical tips on how to obtain a dream vehicle amid attractive promotional interest rates for BCA Auto Loans (Kredit Kendaraan Bermotor/KKB) and Motorcycle Loans (Kredit Sepeda Motor/KSM) available at the event.
Exclusively for customers and visitors of BCA Expoversary 2026, BCA is offering promotional KKB tenors of 1–3 years with interest rates ranging from 1.8% to 2.15%.
President Director of BCA Finance, Petrus Karim, stated that purchasing a car or motorcycle can actually be done safely, as long as customers pay attention to several important factors before making a transaction.
Speaking at the BCA Expoversary 2026 Mini Studio session on Thursday (February 5), Petrus reminded the public not to be easily tempted by the abundance of sophisticated and luxury vehicles, which could lead them to overlook their financial capability.
So, what should be considered before purchasing a dream car or motorcycle? Here are four key points to keep in mind:
- Assess Your Financial Capability
Petrus emphasized that the most important step is to evaluate one’s financial capacity and level of need. - Understand Your Needs
Another crucial factor in choosing a car or motorcycle is understanding the purpose of its use. He observed that many Indonesians tend to choose vehicles with capacities beyond their actual needs. - Look for Affordable Installments
Petrus noted that when purchasing a vehicle on credit, it is essential to align one’s financial capability with the installment amount. He warned that misjudging one’s needs and purchasing power could have serious consequences for individual or family finances. - Consult with Experts
Petrus and Herwandi also encouraged customers to consult with financing service providers before purchasing a vehicle.
For example, when purchasing a car, some people actually need and are better suited to a small-capacity city car. However, it is not uncommon for buyers to opt for larger vehicles that are beyond their financial reach.
“Consumptive behavior can sometimes have negative effects on people in realizing their dream car. With so many sophisticated and luxury car products available, people are easily tempted to buy without first considering whether it aligns with their financial capacity,” he said.
“You need to first understand what the car is for, whether it’s for work, a small family, or a larger family,” he explained.
At the same time, BCA Finance Director Herwandi Kuswanto reminded the public to be wise when selecting a vehicle.
“For daily use, for example, it would be very wise to choose a motorcycle that is fuel-efficient, comfortable, practical, and easy to maintain,” said Herwandi.
“When a purchase does not match one’s needs and ability, it will only burden customers with installment payments,” he said.
At BCA Expoversary 2026, BCA customers can enjoy KKB promotions with a special flat interest rate of 2.15% p.a. for a 3-year tenor and administrative fee discounts of up to IDR 900,000. Customers looking to purchase motorcycles can benefit from financing with down payments starting from 6.9%, special interest rates starting at 5.69%, and administrative fee discounts of IDR 200,000.
“When choosing a car, make sure the installment amount matches your repayment ability so it doesn’t become a problem in the future,” Petrus advised.
“At BCA Expoversary 2026, customers can consult and find affordable and flexible solutions to realize their dream car or motorcycle. We are ready to help,” they concluded.
Photo Information 1 & 2:
Tips for Buying Your Dream Vehicle Amidst Attractive KKB and KSM Promos at BCA Expoversary 2026 – President Director of BCA Finance Petrus Karim (center) and Director of BCA Finance Herwandi Kuswanto (left) share practical tips before buying a dream vehicle during a Mini Studio session at BCA Expoversary 2026 on Thursday (Feb 5). They encouraged the public to recognize financial capabilities, consider actual needs, consult with financing providers, and seek affordable installments. At the event, BCA customers can enjoy a special KKB rate of 2.15% flat p.a. for a 3-year tenor and admin fee cuts up to IDR 900,000, while motorcycle seekers can benefit from DPs starting at 6.9% and interest rates from 5.69%.
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About PT Bank Central Asia Tbk (as of December 31, 2025)
BCA is one of Indonesia's leading banks, focusing on transaction banking and providing credit facilities and financial solutions for corporate, commercial, SME, and consumer segments. As of the end of December 2025, BCA serves 43 million customer accounts and processes more than 115 million transactions daily, supported by 1,270 branch offices, 20,163 ATMs, as well as internet & mobile banking services and the Halo BCA contact center, which is accessible 24 hours a day. BCA's presence is supported by a number of subsidiaries focusing on vehicle financing, Sharia banking, securities, general and life insurance, digital banking, and venture capital. BCA is committed to building long-term relationships with customers, prioritizing mutual interests, and creating a positive impact on society at large. With over 27,000 employees, BCA's vision is to become the primary bank of choice for the public, serving as a key pillar of Indonesia's economy.
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