Used Car

The Solution for Your Dream Car

A. Key Features
Kreditplus (PT KB Finansia Multi Finance) provides used car loan financing facilities as a solution to owning your dream car.

B. Benefits

  1. Get a dream car without a credit card
  2. It is only enough to submit BPKB documents to be used as collateral
  3. Vehicles can still be used as a means of transportation
  4. Financing costs only include financing the purchase of used cars of all brands
  5. The amount of installment money can be adjusted according to monthly income.
  6. Installment payments are easy, through: cashiers, payment points (Indomaret, Alfamart, Banks, Kreditplus Mobile applications), Collectors.

C. Terms of Financing

  1. Value of Financing (Price of Goods - DP + Insurance).
  2. Financing value range: starting from IDR 50 million.
  3. Maximum tenor of 71 months.
  4. Interest rates start at 1,1% per month, valid for 1 year financing tenor.
    *Interest rates may change at any time according to the applicable Company policy

D. Requirements and Procedures

  1. Indonesian citizen aged 19 (married) or 21 to 60 (including tenor).
  2. Minimum income of IDR 5 million per month.
  3. Employees have worked for at least 2 years / Entrepreneur for at least 2 years in the same field.
  4. The maximum distance to residence is 60km from the Kreditplus branch.
  5. Complete the required documents: FC KTP, FC KK, FC PBB one of the last 3 years/proof of home ownership, salary slip/other proof of income, FC passbook account for the last 3 months.

E. Risk

  1. Imposition of late fines if there is a delay in payment.
  2. Penalty if making accelerated repayment.
  3. A history of bad credit is recorded at SLIK OJK, if you don't make payments for up to 180 days.
  4. The imposition of a BPKB storage fee calculated from the 31st day after the financing is paid off, if the BPKB is not collected on the specified date.

F. Additional Information

Not all of our Branch Offices serve the above Financing Products, for further information please contact our Customer Service at (021) 1500605.