A. Key Features
A financing facility in the form of a sale and leaseback of a vehicle, designed as a solution for business funding needs.
B. Benefits
Obtain funds for working capital or investment by selling your vehicle at market value, while still being able to use it through a lease option. Disbursed loan amount is calculated after deducting applicable fees. Easy lease payments through: (Refer to the payment methods section if needed)
C. Financing Terms
1. Financing amount starts from IDR 20 million
2. Maximum loan tenure of up to 48 months
3. Interest rate starts from 0.65% per month for a 12-month term
*Interest rates are subject to change at any time according to the prevailing company policy
D. Requirements and Procedures
1. Indonesian citizen aged 19 (if married) or 21 to 60 years old (including loan tenure)
2. Minimum monthly income of IDR 5 million
3. Employed for at least 2 years / Business owner with at least 2 years in the same field
4. Maximum residential distance of:
5. Required documents:
E. Risks
1. Late payment penalties if installments are not paid on time
2. Penalty charges for early repayment
3. Risk of being listed as a non-performing loan in OJK’s SLIK if payment is not made within 180 days
4. BPKB storage fees apply starting from the 31st day after loan settlement if the BPKB is not collected by the due date
5. Collateral may be executed in case of proven default by the Debtor
F. Fees
Fees may include: provisioning, administration, asset insurance, life insurance, collection, vehicle tax processing (optional), collateral registration, and installment payment administration — in accordance with applicable regulations.
G. Additional Information
Not all of our branches offer the above financing product. For more information, please contact our Customer Service (Contact Center: (021) 1500605)
