Key Financing Features

Flexible financing solutions for purchasing used vehicles from individual sellers.

Apply for Financing, Fast & Easy

1

 

Submit Application

Complete the application form and prepare the required company and asset documents for financing.

2

 

Data Verification

Our team will verify submitted information & data.

3

 

Analysis & Credit Assessment

We will conduct a survey and credit assessment for the next process.

4

 

Financing Implementation

Financing facility will be processed according to the selected product and financing scheme.

Helping you own your dream car from private sellers through secure, transparent, and trusted used car financing.

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

Employee

  • ID Card Copy (Husband & Wife)
  • Family Card Copy
  • Bank Statement / Savings Account (Last 3 Months)
  • Bank Statement / Savings Account (Last 6 Months)
  • Taxpayer Identification Number (NPWP) Copy
  • Proof of Home Ownership (PBB/AJB)
  • Salary Slip / Income Verification

Professional

  • ID Card Copy (Husband & Wife)
  • Family Card Copy
  • Professional Practice License Copy
  • Bank Statement / Savings Account (Last 3 Months)
  • Bank Statement / Savings Account (Last 6 Months)
  • Taxpayer Identification Number (NPWP) Copy
  • Proof of Home Ownership (PBB/AJB)

Self-Employed

  • ID Card Copy (Husband & Wife)
  • Family Card Copy
  • Bank Statement / Savings Account (Last 3 Months)
  • Bank Statement / Savings Account (Last 6 Months)
  • Taxpayer Identification Number (NPWP) Copy
  • NIB, Business License (SIUP) & Company Registration (TDP) Copy
  • Proof of Home Ownership (PBB/AJB)
  • Financial Statements (Minimum 2 Years)

Company

  • ID Card Copy of Directors & Commissioners
  • Bank Statement / Savings Account (Last 6 Months)
  • Taxpayer Identification Number (NPWP) Copy
  • NIB, Business License (SIUP) & Company Registration (TDP) Copy
  • Deed of Establishment & Amendments Copy
  • 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.

Important Information

Transparency is Our Priority.

We provides financing for new and used passenger vehicles with four wheels or more. Eligible vehicle brands include Toyota, Honda, Daihatsu, Suzuki, Mitsubishi, Mazda, Nissan, Hyundai, and other approved brands.

C-Friend offers flexible financing tenors ranging from 1 year up to 5 years, depending on the customer’s needs and financing profile.

The minimum down payment starts from 15% of the vehicle purchase price and may vary based on the financing assessment and applicable regulations.

The minimum financing amount is IDR 30 million.

Yes. Vehicles must be insured throughout the financing period to provide protection against potential risks and losses.

Yes. Early settlement is available in accordance with the company’s applicable terms and conditions.

DISCLAIMER (Important Notice)

  • The prospective customer acknowledges that they have read and understood this Product and Service Information Summary.
  • This Product and Service Information Summary is provided for informational purposes only and does not constitute a commitment or guarantee of financing approval.
  • Financing approval, financing amount, effective interest rate, financing tenor, administration fees, legal fees, and other financing terms shall be subject to the Company’s credit assessment, asset valuation, and the applicable policies of PT Clemont Finance Indonesia.