What PT Oto Multiartha does

PT Oto Multiartha is an Indonesian non-bank financial services company and the parent entity of OTO Group, operating alongside its wholly-owned subsidiary PT Summit Oto Finance (which handles motorcycle financing). Founded in 1994 and headquartered in Jakarta, the group is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and operates across all 34 provinces of Indonesia with a workforce of 10,000+ employees. The OTO brand also displays a Sumitomo Mitsui Banking Corporation (SMBC) affiliation logo, suggesting institutional banking backing.

The company's product portfolio consists of three core offerings: Kredit Mobil (car loans for new and used vehicles, tenors up to 60 months, interest from 7% flat per year), Kredit Motor (motorcycle loans, tenors 12-36 months, minimum 15% per year interest), and Dana Tunai (cash loans secured by vehicle BPKB collateral, up to Rp 500 million for car-backed and Rp 40 million for motorcycle-backed, tenors up to 36 months). The technology platform is a standard web-based fintech lending application with online loan simulation calculators, multi-product online application portals, and a WhatsApp application channel (0855 1500 686). All products include Total Loss Only (TLO) insurance coverage, and the company offers OTOPay as a branded payment method alongside ATM, mobile banking, e-wallet, convenience store, and post office channels.

The business model is interest-income-driven across installment financing, supplemented by administrative fees (Rp 4,000,000 for car loans, Rp 900,000 for motorcycle loans), insurance premiums, and collateral execution fees. Customer acquisition flows through a nationwide physical branch network, a partner dealer network (spanning all major automotive brands), direct digital channels (website and WhatsApp), and customer service phone/email. The customer base spans individual consumers (employees, professionals, entrepreneurs), Dana Tunai borrowers pledging vehicle BPKB, and corporate entities (PT, CV, cooperatives, foundations) seeking fleet financing. The company is actively investing in marketing promotions, CSR initiatives (blood drives, financial literacy, sports events), and celebrates its 31st anniversary in 2025 under the theme 'Rise Together, Shine Brighter'.

Name

PT Oto Multiartha

Legal name

PT Oto Multiartha

Website

https://oto.co.id/

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

PT Oto Multiartha is an Indonesian non-bank financial services company (founded 1994, 10,000+ employees) operating OTO Group alongside subsidiary PT Summit Oto Finance, providing vehicle financing, motorcycle loans, and BPKB-backed cash loans across all 34 provinces of Indonesia under OJK supervision.

Ownership category

akta.pro rank

Product category

Consumer Vehicle Financing

NAICS

Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

Rent-to-Own (RTO) & Lease-to-Own Consumer Financing (FSAKAOAC)

Keywords

• Vehicle financing
• Consumer financing
• Motorcycle loans
• Car loans
• BPKB-backed lending

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices28 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Financing (Kredit Mobil & Kredit Motor): OTO Group earns revenue through interest charged on installment payments for car and motorcycle financing. Products include Kredit Mobil (new and used cars, 12-60 months tenor, interest from 7% flat for used cars, 7.44% flat for new cars) and Kredit Motor (12-36 months, minimum Rp 410,979 installment, minimum 15% annual interest). Revenue is generated through the spread between the financing amount and total repayments over the loan tenor.
2. Dana Tunai (BPKB-Backed Cash Loans): Cash loans secured by vehicle BPKB (car registration certificate) for both consumptive and productive purposes. For car-backed Dana Tunai: Rp 25 million to Rp 500 million, 12-36 months, interest from 10.59% per year. For motorcycle-backed Dana Tunai: Rp 3 million to Rp 40 million, 12-24 months, interest from 22.42% per year. Revenue generated through interest income and administrative fees.
3. Administrative and Processing Fees: Fees collected at loan origination including administration fees (Rp 4,000,000 for car loans), Rp 900,000 for motorcycle loans, insurance premiums (collateral insurance and life insurance), and collateral execution fees. These fees constitute a portion of total revenue alongside interest income.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

PT Oto Multiartha is a non-bank financial services company providing vehicle financing and BPKB-backed cash loans to Indonesian consumers and businesses. The company offers three core products: Dana Tunai (cash loans secured by vehicle BPKB up to Rp 500 million), Kredit Mobil (car loans for new/used vehicles up to Rp 1 billion), and Kredit Motor (motorcycle loans up to Rp 700 million), with tenors ranging from 12 to 60 months. Operations are delivered through a nationwide branch network, partner dealer channels, and online self-service application platforms.

Product overview

OTO Group operates as a non-bank financial services company providing vehicle financing across Indonesia. The company operates through two entities: PT Oto Multiartha (OTO Kredit Mobil) handles car loans and Dana Tunai cash loans with vehicle collateral, while PT Summit Oto Finance (OTO Kredit Motor) handles motorcycle loans. The product portfolio consists of three core offerings: Dana Tunai (cash loans with vehicle BPKB collateral up to Rp 500 million for cars and Rp 40 million for motorcycles with tenors up to 36 months), Kredit Mobil (car financing for new/used vehicles with tenors up to 60 months, minimum 20% down payment), and Kredit Motor (motorcycle financing with tenors up to 36 months, starting from 15% down payment). All products include insurance options and extensive branch network coverage across Indonesia.

Differentiator

Problem solved

Functional benefit

Brands

• Dana Tunai: Cash loan financing service using vehicle BPKB (certificate of ownership) as collateral, provided by PT Oto Multiartha and PT Summit Oto Finance.
• Kredit Mobil
• Kredit Motor
• OTOPay

Products and services

• Dana Tunai Cash loan financing service using vehicle BPKB (vehicle registration certificate) as collateral, offered jointly by PT Oto Multiartha and PT Summit Oto Finance. Available for both car-backed BPKB (Rp 25 million to Rp 500 million, 12-36 months, interest from 10.59% per year) and motorcycle-backed BPKB (Rp 3 million to Rp 40 million, 12-24 months, interest from 22.42% per year). Used for consumptive or productive purposes; disbursement timeline of 3 working days from approval and complete document submission.
• Kredit Mobil (OTO Kredit Mobil) Car financing/loan service provided by PT Oto Multiartha for purchasing new or used vehicles. Features financing periods up to 60 months, maximum loan amount Rp 1 billion, minimum down payment 20%, interest from 7% flat per year for used cars and 7.44% flat per year for new cars, and insurance coverage options (Total Loss Only and All Risk). Available for individual consumers and business entities.
• Kredit Motor (OTO Kredit Motor) Motorcycle financing/loan service provided by PT Summit Oto Finance for purchasing new or used motorcycles. Features financing periods up to 36 months, maximum loan amount Rp 700 million, minimum down payment 20%, minimum installment Rp 410,979 per month, minimum interest 15% per year, and insurance coverage (Total Loss Only). Includes collateral, life insurance, and various payment methods including OTOPay, ATM, E-Wallet, and Convenience Store.

Quantifiable outcome

• Dana Tunai disbursement timeline: 3 working days from approval and complete document submission
• +1 more outcomes

Named customers2 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

Integration6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• PT Bank SMBC Indonesia TbkcoreStrategic or Co-development Partner · 28 November 2025OTO Group collaborates with PT Bank SMBC Indonesia Tbk in financial literacy education programs. On November 28, 2025, the two companies jointly organized a financial literacy education event at SMKN 1 Rawamerta, Karawang, reaching more than 200 students. The collaboration covers topics including financial management, financing, banking, and taxation.
• Vehicle Dealers (Honda, Yamaha, Suzuki, Kawasaki, Piaggio, Wuling, Toyota, Daihatsu, Mitsubishi, Hyundai, Kia, Nissan, Mazda, Mercedes-Benz, BMW, Lexus, Chery, BYD, Isuzu)coreChannel Partner/ Reseller/ DistributorOTO Group works with a network of vehicle dealers across Indonesia as its primary distribution channel. Customers purchasing vehicles from partner dealers can directly apply for OTO financing at the dealership. The dealer network spans all major automotive brands and covers all provinces of Indonesia, enabling OTO to reach customers at the point of vehicle purchase.
• Otoritas Jasa Keuangan (OJK)coreOthersPT Oto Multiartha and PT Summit Oto Finance are licensed and supervised by the Otoritas Jasa Keuangan (OJK), Indonesia's Financial Services Authority. The company is legally authorized to operate as a non-bank financial services institution in Indonesia.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Adira Finance (PT Adira Dinamika Multi Finance): One of Indonesia's largest multi-finance companies offering car financing (Adira Kredit Mobil), motorcycle financing (Adira Kredit Motor), and Dana Tunai cash loans via partner dealers and branches — direct head-to-head competitor with overlapping products, channels, and target customers.
• FIF Group (Federal International Finance): Astra Group's flagship motorcycle financing arm offering SPECTA (motorcycle loans) and Danabijak (cash loans), with national branch coverage and dealer network — directly comparable to OTO Kredit Motor and Dana Tunai product set.
• Astra Credit Companies (ACC): Astra Group's car financing subsidiary offering new and used car credit across Indonesia through dealer and branch channels — direct competitor to OTO Kredit Mobil with similar collateral and customer underwriting model.
• BCA Finance: Subsidiary of Bank Central Asia providing vehicle financing (new and used cars and motorcycles) across Indonesia, leveraging BCA's bank funding cost advantage — directly competes with OTO on vehicle credit products.
• WOM Finance (PT Wahana Ottomitra Multiartha): Indonesian multi-finance company focused on motorcycle and car financing for mass-market consumers, with branch and dealer distribution — comparable customer segment and product mix to OTO's Kredit Motor and Kredit Mobil.
• BFI Finance Indonesia: Diversified Indonesian multi-finance company offering vehicle financing, factoring, and consumer credit with national branch coverage — comparable scale and multi-product model to OTO Group.
• Mandala Multifinance (Mandala Auto Finance): Indonesian multi-finance company providing vehicle financing (cars and motorcycles) and used-car BPKB-backed cash loans — directly comparable product portfolio and customer base to OTO's vehicle and Dana Tunai offerings.
• Toyota Astra Financial Services: Joint venture between Toyota and Astra providing captive financing for Toyota and Daihatsu vehicles in Indonesia — directly competes with OTO Kredit Mobil in the new-car dealer financing channel.
• Clipan Finance Indonesia: Indonesian multi-finance company offering vehicle and consumer financing with branch network and dealer partnerships — comparable product set and operating model to OTO Group.

Broad incumbents

• Bank Mandiri (KKB auto loans): Indonesia's largest bank by assets offers Kredit Kendaraan Bermotor (KKB) auto loans as part of its broad retail banking portfolio — bank funding-cost advantage creates pricing pressure on OTO's vehicle financing business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookweb.facebook.com/people/OTOgroup/100075690048337
• Instagraminstagram.com/otogroup_official
• Xx.com/karir_oto

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 PT Oto Multiartha