Bank Central Asia (BCA) review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Bank Central Asia is a direct Indonesian lender for adults with a steady income in named cities, and its personal loan rate of 10.8% to 12.84% sits close to the 12% site median. It suits borrowers who want a fixed rate and can clear the income and age rules.

Key facts

Best for
Indonesian salaried borrowers in BCA's named cities who want a fixed rate personal loan from a bank.
APR
10.8% to 12.84% (Source, checked September 26, 2026)
Loan amount
IDR 5,000,000 to IDR 100,000,000 (Source, checked September 26, 2026)
Term
12 to 36 months (Source, checked September 26, 2026)
Arrangement fee
Provision fee 1% of principal or minimum Rp100,000, deducted at first disbursement (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Indonesian citizens domiciled in Jabodetabek, Java, Medan, Batam, Tanjung Pinang, Palembang, Denpasar, Cakranegara or Makassar; age 21 to 55 at final loan payoff; minimum monthly income Rp2,500,000 (Jabodetabek, Bandung, Surabaya, Medan, Batam) or Rp2,000,000 elsewhere (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car (Source, checked September 26, 2026)
Legal entity
PT Bank Central Asia Tbk (Source, checked September 26, 2026)
Headquarters
Indonesia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
bca.co.id

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
PT Bank Central Asia Tbk (Source, checked September 26, 2026)
Headquarters
Indonesia (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Direct lender with a fixed rate, so 10.8% to 12.84% does not shift during the term of 12 to 36
  • Personal, secured and car loans sit in one place, per personal, secured and car
  • Support runs on phone, email and chat, so help is reachable by phone, email or chat
  • Loan sizes of IDR 5,000,000 to IDR 100,000,000 cover both modest and larger borrowing needs

Cons

  • Free early repayment is no, so repaying ahead of schedule costs extra
  • A provision fee of 1% is deducted at first disbursement, so the amount that lands in the account is lower than the amount borrowed
  • Eligibility is tied to a named list of cities, and 12 to 36 is a short term for anything larger
Bank Central Asia (BCA)

Ready to try Bank Central Asia (BCA)?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults with the minimum monthly income in Jabodetabek, Bandung, Surabaya, Medan or Batam, or a lower figure elsewhere
  • Indonesian citizens domiciled in the cities BCA lists for the personal loan
  • Borrowers who prefer a fixed rate and a bank rather than a broker

Who should look elsewhere

  • Borrowers who want to repay early without charge, since free early repayment is no
  • Anyone living outside the listed cities, as eligibility does not extend beyond them
  • Monzo Flex, whose rate of 10% to 23% starts lower and runs higher, and Cashspace, whose APR of PHP 12 to PHP 36 is a different market and currency

The company behind it

The lending entity behind the personal loan is PT Bank Central Asia Tbk, based in Indonesia. Regulated in Indonesia by the Otoritas Jasa Keuangan, the Financial Services Authority of Indonesia, and by Bank Indonesia. It lends directly rather than through a broker. Support runs on phone, email and chat, giving you phone, email and chat as ways to reach the bank about a loan.

How Bank Central Asia (BCA) compares

Where Bank Central Asia (BCA) is available

Available
Indonesia
Licence in Indonesia
Otoritas Jasa Keuangan (OJK), Financial Services Authority of Indonesia, checked September 26, 2026
Licence in Indonesia
Bank Indonesia, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does BCA charge on a personal loan?+

The personal loan rate is 10.8% to 12.84%, set on a fixed basis that holds for the loan term. Terms run 12 to 36. The site median APR is 12%, so this sits close to the middle of what lenders charge.

What other costs sit on top of the rate?+

A provision fee is charged, and it is taken out at first disbursement rather than billed later, so the amount credited to you is smaller than the amount borrowed. There is also no free early repayment, which adds cost if you finish ahead of schedule.

How much can I borrow?+

Loan amounts run IDR 5,000,000 to IDR 100,000,000. That range covers a modest top-up as well as a larger lump sum. On the site, the loan amount ranking places this brand at 479 out of 685.

Who can apply?+

You need to be an Indonesian citizen domiciled in one of the listed cities, and an adult within the age band at final payoff. A minimum monthly income applies, and it is higher in Jabodetabek, Bandung, Surabaya, Medan and Batam than elsewhere.

Is the money safe and who supervises the bank?+

The lender is PT Bank Central Asia Tbk, registered in Indonesia. It is supervised by the Otoritas Jasa Keuangan, the Financial Services Authority of Indonesia, and by Bank Indonesia.

Can I repay the loan early?+

Free early repayment is no on this personal loan. That means settling the balance ahead of the agreed end date is not cost free, so the shape of the term matters if you expect to pay down early.

What kinds of loan does BCA offer?+

The listed loan types are personal, secured and car, covering personal, secured and car borrowing. The rate is fixed and BCA is a direct lender, so you deal with the bank rather than a broker.

How do I get help once I have a loan?+

Support runs on phone, email and chat, so phone, email and chat are available for questions about an application or an existing loan. A phone call is the quickest route for anything that needs checking on the account.

Sources

  • bca.co.id checked September 26, 2026

    Backs: Support channels, Licences

    “Halo BCA 1500888, halobca@bca.co.id, WhatsApp 62 811 1500 998 and Chat”

  • bca.co.id/id/individu/produk/pinjaman checked September 26, 2026

    Backs: Loan types

    “Pinjaman Individual: Kredit Sepeda Motor, Kredit Kendaraan Bermotor, Kredit Pemilikan Rumah, Pinjaman Kredit Tanpa Agunan Personal, Secured Personal Loan”

  • bca.co.id/id/Individu/produk/pinjaman/Pinjaman-Personal checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Free early repayment, Headquarters, Legal entity, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Term

    “Plafon Pinjaman Rp5 juta s/d Rp100 juta (loan limit Rp5 million to Rp100 million) for BCA Personal Loan”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Bank Central Asia (BCA)

Bank Central Asia (BCA)

Indonesian salaried borrowers in BCA's named cities who want a fixed rate personal loan from a bank.

9.0/10See alternatives

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