Astra Credit Companies

What Astra Credit Companies does

Astra Credit Companies (ACC) is an Indonesia-based vehicle and heavy equipment financing company operating as a core subsidiary of the Astra International conglomerate. Founded in 1982 and headquartered in Jakarta, ACC consists of three legal entities (PT Astra Sedaya Finance, PT Astra Auto Finance, and PT Swadharma Bhakti Sedaya Finance) and is licensed and supervised by the Otoritas Jasa Keuangan (OJK), with Sharia products additionally overseen by Dewan Pengawas Syariah under DSN-MUI fatwas.

ACC offers new and used vehicle financing (conventional and Sharia-compliant), BPKB-backed cash loan facilities (ACC Danaku, Prioritas Dana), truck and heavy equipment financing, and Hajj/Umrah financing. The company serves individual vehicle buyers, SME commercial operators, and Sharia-focused customers across Indonesia. Distribution spans a nationwide branch network, a call center (1500 599), 24-hour WhatsApp service, and an integrated dealer referral channel via Astra Daihatsu and Astra Toyota.

The company's revenue model is built on recurring interest income from installment financing (Murabahah, Musyarakah Mutanaqisah, Ijarah contracts), plus transaction-based administrative and insurance fees. Its digital platform ACC ONE enables online applications, credit simulations, document submission, and application tracking via website and WhatsApp. Add-on services include online STNK renewal, BPKB document services, credit insurance claims, and debtor/collateral transfers, deepening customer wallet share across the vehicle ownership lifecycle.

Name

Astra Credit Companies

Legal name

PT Astra Sedaya Finance, PT Astra Auto Finance, PT Swadharma Bhakti Sedaya Finance

Website

https://acc.co.id

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Astra Credit Companies is an Indonesia-based vehicle and heavy equipment financing subsidiary of Astra International, offering new/used car loans, BPKB-backed cash facilities, commercial fleet financing, and Sharia-compliant products to individual and SME borrowers via branches, dealer partnerships, and the ACC ONE digital platform.

Ownership category

akta.pro rank

Product category

Consumer Auto Financing

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Dealer Floorplan & Inventory Financing (FSAKADAD)

Keywords

• Vehicle financing
• Auto loans
• Sharia-compliant financing
• Heavy equipment financing
• BPKB-backed lending

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Vehicle Financing (Kredit Mobil): Interest-based financing for new and used vehicles. Revenue generated from interest rates charged on loan principal. Supports both conventional and Sharia (Murabahah, Musyarakah Mutanaqisah, Ijarah) financing structures.
2. ACC Danaku (BPKB-backed loans): Collateralized lending using vehicle registration documents (BPKB). Customers receive cash while retaining vehicle use. Revenue from interest/ujrah payments over tenor period.
3. Hajj and Umrah Financing: Sharia-compliant financing for Hajj and Umrah pilgrimage services using Ijarah contract structure. Revenue from service fees (Ujrah).
4. Truck and Heavy Equipment Financing: Financing for commercial vehicles and heavy equipment for business customers.
5. Administrative and Insurance Fees: Processing fees, insurance premiums, and administrative charges collected at origination and during loan tenor.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels10 records

Core offering

Astra Credit Companies (ACC) is a vehicle and heavy equipment financing company operating under the Astra Group conglomerate in Indonesia. It provides installment-based financing for new and used cars, trucks, and heavy equipment, as well as cash loan facilities secured by vehicle registration documents (BPKB). All products are offered in both conventional and Sharia-compliant variants (Murabahah, Musyarakah Mutanaqisah, Ijarah, IMBT) under ACC Syariah branding, including dedicated Hajj/Umrah pilgrimage financing.

Product overview

Astra Credit Companies (ACC) is a vehicle financing company operating under PT Astra Sedaya Finance, PT Astra Auto Finance, and PT Swadharma Bhakti Sedaya Finance. The product portfolio consists of vehicle financing products (Mobil Baru and Mobil Bekas for new and used cars), fund facilities (ACC Danaku and Prioritas Dana for cash loans secured by vehicle registration documents), and Hajj/Umrah financing. All products are available in both conventional and Sharia-compliant variants under ACC Syariah branding. ACC operates through its digital platform ACC ONE enabling online applications, credit simulations, document submissions, and status tracking. Additional services include STNK renewal, insurance claims, and vehicle document management.

Differentiator

Problem solved

Functional benefit

Brands

• ACC ONE: Digital platform for ACC financing services including loan applications, tracking, and document management
• ACC Danaku
• ACC Syariah

Products and services

• Mobil Baru (New Car Financing) Kredit Mobil Baru Reguler — conventional new vehicle financing offering installment payments for brand new cars, typically up to 85% of the On-The-Road price with tenors of 12–60 months.
• Mobil Bekas (Used Car Financing) Kredit Mobil Bekas Reguler — conventional used vehicle financing for pre-owned cars purchased via installment payments.
• ACC Danaku Fasilitas pembiayaan dana tunai dengan jaminan BPKB mobil. Fast cash loan up to Rp500 million or 85% of vehicle value, disbursed within one working day, flat interest starting from 0.65% per month, tenors up to 36 months; vehicle remains usable during financing.
• Prioritas Dana Dana Same Day Untuk Pelanggan Prioritas — priority cash facility providing same-day disbursement to priority ACC customers.
• Haji & Umroh Financing Pembiayaan Haji Reguler — Sharia-compliant Hajj and Umrah financing allowing pilgrims to secure their pilgrimage quota faster without prior savings, offered via Ijarah contracts with fixed Ujrah service fees and long tenors with stable monthly installments.
• Syariah Mobil Baru Kredit Mobil Baru Sesuai Prinsip Syariah — Sharia-compliant new car financing based on Islamic financial principles (Murabahah, Musyarakah Mutanaqisah, Ijarah).
• Syariah Mobil Bekas Kredit Mobil Bekas Sesuai Prinsip Syariah — Sharia-compliant used car financing based on Islamic financial principles.
• ACC Syariah Dana Fasilitas Dana Sesuai Prinsip Syariah — Sharia-compliant fund financing facility for various customer financial needs under Islamic contracts.
• Truck and Heavy Equipment Financing Commercial vehicle and heavy equipment financing for businesses requiring truck and equipment acquisition, available in both conventional and Sharia variants including the IMBT Sharia scheme for fleet financing.

Quantifiable outcome

• Disbursement within 1 working day after document completion
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Astra DaihatsucoreChannel Partner/ Reseller/ DistributorStrategic dealer partnership for vehicle financing referrals. Astra Daihatsu operates authorized dealer network across Indonesia where ACC provides financing solutions for Daihatsu vehicle buyers. Partnership enables seamless point-of-sale financing for customers purchasing Ayla, Sigra, Xenia, Rocky, Terios, Sirion, Luxio, and Gran Max vehicles.
• Astra ToyotacoreChannel Partner/ Reseller/ DistributorPart of Astra Group ecosystem, Toyota dealers provide financing recommendations to vehicle buyers through ACC financing products.
• Otoritas Jasa Keuangan (OJK)coreOthersRegulatory oversight and licensing. ACC is licensed and supervised by OJK as a financing company operating under POJK 22/2023 consumer protection regulations. All products comply with financial services authority requirements.
• Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI)coreOthersSharia compliance oversight for Islamic financing products. ACC Syariah products operate under Fatwa DSN-MUI including Murabahah, Musyarakah Mutanaqisah, and Ijarah contracts.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Federal International Finance (FIF): Sister Astra Group multi-finance subsidiary providing motorcycle and car financing across Indonesia. The most directly comparable peer given shared parent, overlapping dealer distribution, and identical multi-finance regulatory framework.
• Adira Dinamika Multi Finance: Another Astra Group multi-finance subsidiary offering vehicle and durable goods financing with both conventional and Sharia products. Highly comparable in business model, customer segments, and Indonesian regulatory positioning.
• Toyota Astra Financial Services: Toyota-Astra joint venture providing captive auto financing for Toyota vehicles in Indonesia. Direct competitor with shared dealer relationships and overlapping product positioning.
• OTO Multiartha: Indonesian multi-finance company focused on used car, motorcycle, and commercial vehicle financing. Direct competitor with comparable target segments and similar national branch footprint.
• Mandiri Tunas Finance: Bank Mandiri subsidiary focused on new and used vehicle plus fleet financing. Comparable in product mix, regulated framework, and Indonesian SME/consumer customer base.
• BCA Finance: Subsidiary of Bank BCA offering vehicle financing for new and used cars and heavy equipment. Comparable in scale, regulatory positioning, and Indonesian consumer finance customer base.
• WOM Finance (Wahana Ottomitra Multiartha): Indonesian multi-finance company providing motorcycle, car, and consumer financing with both conventional and Sharia products. Comparable in product breadth and Indonesian market focus.
• Bussan Auto Finance (BAF): Indonesian auto finance affiliate of Japan's MCJ Group (Yamaha-aligned), focused on motorcycle and vehicle financing. Comparable as a Japanese-affiliated auto finance peer with similar captive dealer integration.

Emerging players

• AEON Credit Service Indonesia: Subsidiary of Japan's AEON Credit Service offering consumer financing including vehicles and durable goods. Comparable as Japanese-affiliated consumer finance player in Indonesia targeting similar mass-market customers.

Broad incumbents

• Bank Mandiri: One of Indonesia's largest banks and parent of Mandiri Tunas Finance, offering direct consumer vehicle loans and KKB. Comparable as depository competitor with broader product portfolio and balance sheet scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/acconeid
• YouTubeyoutube.com/AstraCreditCompaines
• Facebookfacebook.com/ACC-Kredit-Mobil
• LinkedInlinkedin.com/company/astra-credit-companies-acc
• Instagraminstagram.com/acckreditmobil

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Astra Credit Companies