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Mega Oto

Credit facilities from banks to prospective borrowers for the purchase of new or used cars (second) for personal use (individuals) and not for commercial purposes (public passenger transportation and goods).

Car Loan Features

  1. Maximum amount of loan : Rp. 500 Million
  2. Minimum period of 1 year, maximum 5 years
  3. Rupiah currency
  4. Collateral is the object being financed


  • Indonesian nationals 
  • Types of vehicles that are allowed are passenger car categories
  • Debt service ratio, 
  • maximum financing : 80% of the OTR price
  • Permanent employees (minimum working period of 2 years, or work experience in the previous place 2 years).
  • Self-employed (at least 2 years running).
  • Professional (minimum 2 years of practice).
  • Minimum age 21 years old and maximum age 65 years old at credit’s due date (for individual borrowers)
  • The age of the car plus a maximum credit period of 8 years (for used cars).