Bank Central Asia (BCA) offers the BCA Kredit Kendaraan Bermotor (KKB), for purchasing new or used cars or refinancing your vehicle.
What you need to know about these loans:
- Competitive Interest Rates: Both types of financing offer competitive and stable interest rates throughout the loan period, ensuring that your monthly installments do not increase unexpectedly.
- Fixed and Light Installments: Both products ensure that monthly payments are fixed and affordable, making financial planning easier and eliminating surprises.
- Secure Storage: During the loan period, your vehicle’s BPKB (vehicle ownership certificate) is securely stored by BCA, providing peace of mind.
- Convenient Payments: Monthly installments are automatically debited from your BCA account, ensuring convenience and timely payments.
- Flexible Terms: Both products offer flexible financing terms, catering to your specific needs, whether purchasing a new or used vehicle, or refinancing an existing vehicle.
Pros:
- Competitive Interest Rates: Stable rates throughout the loan term for both purchase and refinancing options.
- Easy Refinancing: Quick approval and large loan amounts available through refinancing.
- Fixed Installments: Monthly payments remain consistent, making budgeting easier.
- Secure: Your BPKB is safely held by BCA, ensuring peace of mind.
- Convenient Payments: Automatic debit from your BCA account ensures timely payments.
Cons:
- Age Restrictions: Maximum age of 64 years at loan maturity.
- Insurance Requirement: Comprehensive insurance is mandatory for the first year, with TLO (Total Loss Only) required in subsequent years.
Why Choose BCA KKB for Your Vehicle Financing?
Mandiri KKB offers flexible terms, but BCA KKB’s competitive interest rates and stable installments provide better financial predictability.
BRI KKB might provide extensive network partnerships, but BCA KKB ensures your BPKB is securely stored, adding an extra layer of security.
BNI KKB focuses on specific income segments, while BCA KKB offers a broader range of options that cater to various financial needs and vehicle types.
CIMB Niaga KKB offers standard loan options, but BCA KKB’s fixed-rate options protect you from fluctuating interest rates.
Danamon KKB might have competitive initial rates, but BCA KKB’s fixed and consistent installments make long-term financial planning easier.
BCA KKB Loan: let’s get to know it a little better
How to Apply for Your BCA KKB Loan
Ready to drive your dream car? Click below to apply for your BCA KKB Loan and enjoy competitive rates for either vehicle purchase or refinancing.