Seize Financial Freedom: The BCA Personal Loan Solution

Empower Your Goals with Swift, Reliable Funding

Seize Financial Freedom: The BCA Personal Loan Solution

Introducing the BCA Personal Loan, a hassle-free solution tailored to your financial needs. With loan amounts ranging from IDR 5,000,000 to IDR 100,000,000 and low-interest rates starting at 1% per year, our unsecured loan offers swift access to funds for various purposes.

Whether it’s education, healthcare, weddings, vacations, home renovations, or everyday expenses, our loan provides the flexibility you need to manage your finances effectively.

About Bank Central Asia – BCA

With a rich history dating back to 1957, BCA has evolved into one of the country’s largest banks, offering a comprehensive range of financial services tailored to meet the diverse needs of its customers.

Boasting a vast network of branches and ATMs spanning across Indonesia, BCA ensures accessibility and convenience for individuals and businesses alike, facilitating seamless banking transactions nationwide.

Main characteristics of BCA Personal Loan

  • Quick Application Process: Experience a straightforward and rapid application process, ensuring minimal hassle for borrowers.
  • Flexible Loan Amounts: Borrowers can access loan amounts ranging from IDR 5,000,000 to IDR 100,000,000, catering to various financial requirements.
  • Low Interest Rates: Benefit from competitive interest rates starting at 1%, enabling cost-effective borrowing.
  • Fixed Interest Rates: Enjoy stability and predictability with fixed interest rates throughout the loan term, eliminating uncertainties.
  • Unsecured Loan Option: Obtain funds without the need for collateral, simplifying the borrowing process and making it accessible to a wider range of individuals.


  • Regional Restrictions: Limited availability to Indonesian citizens residing in specific regions, potentially excluding individuals outside of these areas from accessing the loan.
  • Income Criteria: Minimum monthly income requirements may pose a barrier to individuals with lower incomes or irregular employment, limiting their eligibility for the loan.

Here is advice for you

The BCA Personal Loan presents itself as an advantageous choice owing to its simplicity and affordability. Its straightforward application process offers quick access to funds, sparing borrowers from the complexities often associated with loan procedures.

This expediency proves especially beneficial for those facing urgent financial needs, providing them with a swift resolution to their monetary challenges.

Requirements to apply for the BCA Personal Loan

  • Indonesian citizenship (WNI) and residency in specified regions.
  • Age between 21 and 55 years old at the time of loan repayment.
  • Minimum monthly income of IDR 2,500,000 for certain regions and IDR 2,000,000 for others.
  • Participation in BCA Payroll Service or ownership of a BCA Credit Card for at least one year.
  • Permanent employment with a minimum of one year of service or self-employment/professional status with a minimum of two years in the current business/enterprise.

How to apply for the BCA Personal Loan

  • Confirm Eligibility: Ensure you meet the criteria including citizenship, age, income, and employment status.
  • Prepare Documents: Gather required documents such as ID, income statements, and tax identification.
  • Visit Branch: Go to the nearest BCA branch.
  • Consult Representative: Discuss your loan needs with a BCA representative.
  • Submit Application: Complete the form and provide necessary documents.
  • Await Approval: Wait for BCA to review your application.
  • Receive Decision: Upon approval, review terms and conditions.
  • Accept Terms: Sign the agreement if you agree.

Apply for your BCA Personal Loan online

Apply for your BCA Personal Loan online today and unlock the financial flexibility you need to address any necessity.

Take advantage of this convenient solution to fulfill your financial needs with confidence.