C-Car

Key Financing Features

Used Car Financing Solutions from Trusted Dealerships with a Fast Approval Process and Competitive Interest Rates.

FINANCING PRINCIPAL

Starting from IDR 30 Million

INTEREST RATE

Starting from 9% flat p.a. up to 14% flat p.a.

ELIGIBLE COLLATERAL

Used four-wheel vehicles, including brands such as Toyota, Honda, Daihatsu, Suzuki, Mitsubishi, Mazda, Nissan, Hyundai, Wuling, and others.

LOAN TERM

Regular terms ranging from 1 – 5 years.

FINANCING PURPOSE

Productive Purpose or Consumer Purpose

INSURANCE

Comprehensive, TLO (Total Loss Only), and Combination Coverage (1 year Comprehensive followed by TLO for the remaining loan tenor).

Providing customers with an easier way to own a vehicle through competitive interest rates and fees, a wide range of financing products tailored to their needs and financial capabilities, as well as insurance protection for the financed vehicle.

Required Documents

Prepare the required documents to help us conduct a fast and accurate credit assessment process.

Supporting Documents	Employee	Professional	Entrepreneur	Company
Copy of Husband & Wife ID Cards	✓	✓	✓	–
Copy of Directors & Commissioners ID Cards	–	–	–	✓
Copy of Family Card	✓	✓	✓	–
Copy of Professional Practice License	–	✓	–	–
Copy of Bank Statement / Savings Account (Last 3 Months)	✓	✓	✓	–
Copy of Bank Statement / Savings Account (Last 6 Months)	✓	✓	✓	✓
Copy of Tax Identification Number (NPWP)	✓	✓	✓	✓
Copy of NIB, SIUP & TDP	–	–	✓	✓
Copy of Deed of Establishment & Amendments	–	–	–	✓
Proof of Home Ownership (PBB / AJB)	✓	✓	✓	–
Salary Slip / Proof of Income	✓	–	–	–
Financial Statements (Minimum 2 Years)	–	–	✓	✓

Credit Risks

The risk of collateral enforcement may arise if the Customer and/or Collateral Owner defaults on their obligations.
Reputational risk may occur through the recording of financing history in the Financial Information Service System (SLIK) if the Customer and/or Collateral Owner fails to make payments on time.
To avoid the risk of collateral enforcement, the Customer must comply with the provisions of the Financing Agreement, including:
1. Paying installments in full and on time.
2. During the term of the Financing Agreement and without prior written consent from CLEMONT FINANCE, the Customer is not permitted to sell, lease, transfer, or re-pledge the collateral to any third party.

Simulation Table

Fees may vary depending on the loan term, vehicle type, and the customer’s domicile.

c-car Financing Simulation Example Vehicle Price IDR 230,000,000
12 Months IDR 17.6 M	24 Months IDR 9.2 M	36 Months IDR 6.3 M	48 Months IDR 5 M	60 Months IDR 4.2 M
Down Payment (DP) IDR 34.5 M Min 15% of Total Vehicle Value	Total Initial Payment IDR 67.8 M Including DP, Insurance & Fees	Insurance Coverage Combination Comprehensive / TLO	Protection Program Credit Protection Credit Protection Facility	Financing Purpose Consumer Personal Use
Total Initial Payment Include: Down Payment (DP), First Installment Payment , Asset Protection Insurance, Administrative & Provision Fees, Notarial & Fiduciary Registration Costs, Asset Appraisal & Survey Costs

* Installment illustration assumes a flat interest rate of 9% p.a. Actual rates may vary between 10–14% p.a. depending on credit assessment.
* The figures above are provided for illustration purposes only. Final financing amounts, annual interest rates, legal and operational costs, and financing approvals are subject to the Company’s credit assessment and the applicable policies of PT Clemont Finance Indonesia.

Important Information

Transparency is Our Priority.

What Factors Affect Insurance Rates?

Insurance rates are determined based on several factors, including the vehicle registration area, financing term, principal loan amount, vehicle condition, vehicle type and model selected by the customer, as well as applicable insurance depreciation.

What Are the Penalties for Late Payments or Early Settlement?

A late payment penalty of 0.5% per day of the overdue installment amount may be charged if payments are not made by the due date. For early settlement, an 8% fee of the remaining outstanding principal balance may apply, in accordance with the terms and conditions of the financing agreement.

Additional Information

DISCLAIMER (Please Read Carefully):

The prospective customer acknowledges that they have read and understood the Product and Service Information Summary.
This Product and Service Information Summary does not guarantee approval of any financing facility application.
All calculations provided in the simulation are for illustrative purposes only and may change at any time.