BCA Finance vs Clipan Finance: which is better? Comparison 2026
By our public methodology BCA Finance scores 78 out of 100 and Clipan Finance scores 69. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| BCA Finance | Clipan Finance | |
|---|---|---|
| Terms | 65 | 44 |
| Access | 75 | 84 |
| Reliability | 83 | 100 |
| Transparency | 100 | 50 |
Pros and cons
BCA Finance
- Long track record as a licensed lessor
- Part of a banking group
- Rates and total cost are published openly
- Leases to private individuals
Clipan Finance
- Long track record as a licensed lessor
- Part of a banking group
- Leases to private individuals
- Leases to companies and sole traders
Facts side by side
| Fact | BCA Finance | Clipan Finance |
|---|---|---|
| Licensed / registered as a lessor since | 1981 bcafinance.co.id | 1982 clipan.co.id |
| Minimum down payment | 20% bcafinance.co.id | 20% clipan.co.id |
| Maximum contract term | 72 mo bcafinance.co.id | 60 mo clipan.co.id |
| Leasing for individuals | Yes bcafinance.co.id | Yes clipan.co.id |
| Leasing for businesses | Yes bcafinance.co.id | Yes clipan.co.id |
| Used cars | Yes bcafinance.co.id | Yes clipan.co.id |
| Early repayment | Yes bcafinance.co.id | Not verified |
| Leasing products | Not verified | 5 clipan.co.id |
| Part of a banking group | Yes bcafinance.co.id | Yes clipan.co.id |
| Regional offices | Not verified | 109 clipan.co.id |
| Rates published online | Yes bcafinance.co.id | Not verified |
| Calculator on the website | Yes bcafinance.co.id | Yes clipan.co.id |
| Online application | Yes bcafinance.co.id | Yes clipan.co.id |