Leasing companies in Indonesia 2026: a ranking built on verified facts
A ranking of leasing companies in Indonesia built only on facts you can check: minimum down payment, maximum term, who can lease (individuals, businesses, used cars), how long the company has been licensed or registered as a lessor, and how openly it publishes its terms. Every number links to its source with the date we checked it. Rankings are not for sale.
| # | Company | Who it serves | ||||
|---|---|---|---|---|---|---|
| 1 | BCA Finance | 78 | 1981 | 20% | 72 mo | Individuals Business Used cars |
| 2 | Dipo Star Finance | 76 | 1989 | 10% | 84 mo | Individuals Business Used cars |
| 3 | Clipan Finance | 69 | 1982 | 20% | 60 mo | Individuals Business Used cars |
| 4 | Mitsui Leasing Capital Indonesia | 63 | 1993 | Not verified | 48 mo | Individuals Business Used cars |
| 5 | Toyota Astra Financial Services (TAF) | 62 | 2005 | Not verified | 60 mo | Individuals Business Used cars |
| 6 | Adira Finance | 60 | 1990 | Not verified | Not verified | Individuals Business Used cars |
-
- Licensed / registered as a lessor since
- 1981
- Minimum down payment
- 20%
- Maximum contract term
- 72 mo
Pros
- Long track record as a licensed lessor
- Part of a banking group
- Rates and total cost are published openly
- Leases to private individuals
Details Visit site ↗ 90% backed by facts
-
- Licensed / registered as a lessor since
- 1989
- Minimum down payment
- 10%
- Maximum contract term
- 84 mo
Pros
- Long track record as a licensed lessor
- Long term — lower monthly payments
- Rates and total cost are published openly
- Leases to private individuals
Details Visit site ↗ 82% backed by facts
-
- Licensed / registered as a lessor since
- 1982
- Minimum down payment
- 20%
- Maximum contract term
- 60 mo
Pros
- Long track record as a licensed lessor
- Part of a banking group
- Leases to private individuals
- Leases to companies and sole traders
Details Visit site ↗ 84% backed by facts
-
- Licensed / registered as a lessor since
- 1993
- Minimum down payment
- Not verified
- Maximum contract term
- 48 mo
Pros
- Long track record as a licensed lessor
- Rates and total cost are published openly
- Leases to private individuals
- Leases to companies and sole traders
Details Visit site ↗ 71% backed by facts
-
- Licensed / registered as a lessor since
- 2005
- Minimum down payment
- Not verified
- Maximum contract term
- 60 mo
Pros
- Long track record as a licensed lessor
- Rates and total cost are published openly
- Leases to private individuals
- Leases to companies and sole traders
Details Visit site ↗ 67% backed by facts
-
- Licensed / registered as a lessor since
- 1990
- Minimum down payment
- Not verified
- Maximum contract term
- Not verified
Pros
- Long track record as a licensed lessor
- Part of a banking group
- Leases to private individuals
- Leases to companies and sole traders
Details Visit site ↗ 60% backed by facts
Not ranked yet: not enough verified data
These services are known to us, but we haven't verified enough facts to rank them fairly.
- BFI Finance (58% backed by facts)
How we calculate the Score
35%
Terms
Minimum down payment, maximum contract term and early repayment. A lower down payment and a longer term score higher.
25%
Access
Whether the company leases to individuals and businesses, finances used cars, how fast it decides and how many products it offers.
25%
Reliability
Years on the regulator's register of leasing companies, membership of a banking group and the number of cities with offices.
15%
Transparency
Whether rates are published, and whether the official website has a payment calculator and an online application.
How to choose a leasing company
Check the licence or registration
Only companies on the regulator's register may offer leasing. The ranking shows the year each company was licensed or registered.
Compare the total cost, not just the monthly payment
A low monthly payment often means a longer term and a higher total. Ask for the full schedule and add up what you will pay over the whole term.
Check the currency and indexation
If the contract is tied to a foreign currency or a floating rate, the payment can change. Ask which currency the contract is in and what triggers a recalculation.
Ask about insurance
Whether comprehensive cover is mandatory, whether you can choose the insurer and whether it is included in the payment noticeably changes the real cost.
Check early buyout
Can you repay early, is there a fee and from which month? Each company profile shows whether early repayment is allowed.
Remember who owns the car
Until the last payment the vehicle belongs to the leasing company: you cannot sell or re-register it without its consent.
Frequently asked questions
Which leasing company is the best?
The company in first place has the highest Score under our open methodology. The best choice for you depends on what matters most: for a low down payment look at Terms; if you are a business or want a used car, look at Access.
Where does the data come from?
From official sources: regulators' registers, leasing companies' own websites and public offer catalogues. Every number on the page links to its source and shows the date we checked it.
Can a company buy a higher place?
No. Every company is scored by the same formula. Paid placements, if we ever add them, will sit in a separate block labelled "Sponsored" and never change the Score.
Why is a company missing data?
If a company does not publish its terms, we do not invent numbers. Companies with verified facts for less than 60% of the methodology stay out of the ranking until the data appears.