BCA (loans): verified facts and rating
Licensed since: 1957 Checked 2026-10-31
Score breakdown
100% backed by facts · How we rank
BCA (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference78%110%101% · median 100%
Support hours a week168 h168 h168 h · median 168 h
Maximum amount, % of country reference40%600%40% · median 90%
Longest term36 mo180 mo36 mo · median 48 mo
BCA (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
- Online application is not open to new customers
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1957 BCA mulai beroperasi pada 21 February 1957 dan berkantor pusat di Jakarta (год основания) | bca.co.id | 2026-10-31 |
| Licensed by the regulator | Yes BCA berizin dan diawasi oleh Otoritas Jasa Keuangan & Bank Indonesia. BCA merupakan peserta penjaminan LPS. | bca.co.id | 2026-10-31 |
| Published rate, % of country reference | 101% Suku Bunga Angsuran (flat) BCA Personal Loan (Retail): 12 bulan, 1,00%/bulan (12,00%/tahun); BCA Personal Loan Corporate (Payroll): 12 bulan, 0,90%/bulan (10,80%/tahun) · flat 0.90% per month · index 100 = 0.89% flat per month (median at launch) | bca.co.id | 2026-10-31 |
| Free early repayment | No Biaya Administrasi Pelunasan Dipercepat Sebesar Rp200.000 (Pelunasan dipercepat dapat dilakukan minimal sudah 6x membayar angsuran). | bca.co.id | 2026-10-31 |
| No arrangement fee | No Biaya Provisi 1% dari jumlah pokok pinjaman atau minimum Rp100.000 | bca.co.id | 2026-10-31 |
| Fees or terms published | Yes KETENTUAN FASILITAS BCA PERSONAL LOAN ... 3. Bunga dan Biaya-biaya; Biaya: Biaya Provisi, Suku Bunga Angsuran (flat), Denda Keterlambatan 0,28% per hari dari tagihan, Biaya Administrasi Pelunasan Dipercepat, Biaya meterai Rp10.000 | bca.co.id | 2026-10-31 |
| Complaints procedure | Yes Penanganan Pengaduan. Jenis dan Sarana Penyampaian Pengaduan: Konsumen dapat mengajukan pengaduan kepada BCA secara lisan atau tertulis melalui: Halo BCA melalui telepon 1500888 | bca.co.id | 2026-10-31 |
| Online application for new customers | No Persyaratan: Karyawan yang merupakan peserta/karyawan dari peserta fasilitas Payroll BCA atau minimum keanggotaan Kartu Kredit BCA selama 1 (satu) tahun; Wiraswasta dan Profesional dengan minimum keanggotaan Kartu Kredit BCA selama 1 (satu) tahun. | bca.co.id | 2026-10-31 |
| Support hours a week | 168 h Layanan Halo BCA 24 Jam - Nomor Resmi 1500888 | bca.co.id | 2026-10-31 |
| Maximum amount, % of country reference | 40% Plafon Pinjaman Rp5 juta s/d Rp100 juta · max 100000000 IDR · index 100 = 250000000 IDR (median at launch) | bca.co.id | 2026-10-31 |
| Longest term | 36 mo 36 bulan, 1,07%/bulan (12,84%/tahun) | bca.co.id | 2026-10-31 |
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