Frequently Asked Questions

Lesca Gadai is a 100% Indonesian-owned company that focuses on helping the community get loans quickly and easily. For more information, you can visit the LGP PROFILE page https://www.lescagadai.co.id/profile

The Head Office of Lesca Gadai is located at Jalan Pantai Indah Utara 2, Ruko The Arcade Blok 3 PP & 3 PR, Pantai Indah Kapuk, North Jakarta.

Goods that can be pawned at Lesca Gadai include Luxury Watches, Luxury Cars, and other Luxury Goods with certain types/brands that are included in the criteria/conditions of Lesca Gadai. Type of goods we accept to be pawned will be expanded in accordance with our business development.

Currently the Lesca Gadai Service Office is at the Head Office which is located at Jalan Pantai Indah Utara 2, Ruko The Arcade Blok 3 PP & 3 PR, Pantai Indah Kapuk, North Jakarta. Service Offices/Branches will be expanded in accordance with our business development.

Lesca Gadai is open from Monday to Friday, with operational hours: 09.00 to 16.00 (or by appointment via our WA Chat at 0822 9888 1075).

The loan processing time is dependent upon the completion of your documents and inspection process of your goods (approximately 30 minutes).

1. Yes, an extension is certainly possible. Simply visit our Lesca Gadai Office or contact us through WhatsApp Chat at 082298881075.
2. The extension must be submitted and approved by Lesca Gadai after checking, reviewing, and adjusting the Appraisal Value for the pawn item that is according to the Market Price at the time of extension.
3. If there is a difference in the Appraisal Value, it will be reflected on the Loan Amount as well. You will have to settle any remaining payment that is the difference from the initial Appraised Value and the new Appraised Value.
4. Upon agreement of the extension, you are agreeing to the new interest rate for the extension applicable starting the next loan period, and will have to settle the interest from the previous period.
5. You will be sent an updated Proof of Pawnship (Surat Bukti Gadai).

1. The loan period is a maximum of 120 calendar days starting from the initial transaction date, and may be extended.
2. Interest will be charged for a minimum of 15 days loan, and will be collected either at the start or at the end of the period.
3. Aside from the loan interest, there will be an additional service and maintenance fee for luxury car pawns.

Yes, you may settle all loans at any time with calculated interest according to the loan period and will be charged interest rate for a minimum of 15 days.

1. One day before the settlement of the pawn, the client will have to confirm to Lesca Gadai or Lesca Gadai Partners.
2. The client makes a payment by transferring funds to the Lesca Gadai account.
3. After payment is received, the collateral may be collected at the Lesca Gadai Office by submitting the original Proof of Pawnship (Surat Bukti Gadai).

We do not accept cash payments for now. For the sake of client safety and convenience, payments are made through a transfer of funds to the Lesca Gadai account which will be provided by our officers after making a pawn transaction.

It will be calculated based on the amount of Loan Value plus the interest that is already running. Example:

1. The client selects a plan with a period of 1 month/30 days with an interest of 3%/month

• Loan Value              =        Rp 500.000.000
• Bunga 3%               =        Rp   15.000.000                               
• Total Balance          =        Rp 515.000.000

      2. The client selects a plan for a period of 4 months/120 days with an interest of 3%/month

• Loan Value              =        Rp 500.000.000
• 12% Interest            =        Rp   60.000.000
• Total Balance           =        Rp 560.000.000

The due date for your payment will be on your Proof of Pawnship. If payment has not been made when it's due, we will give you a grace period of 7 (seven) calendar days since its due date before we will sell your collateral.

Jika sampai tanggal jatuh tempo tidak dilakukan pelunasan atau perpanjangan maka akan diberikan tenggat waktu tidak kena denda selama 3 (tiga) hari dan 14 (empat belas) hari batas waktu barang sebelum dijual.

Interest will be charged per 15 days as per the agreement. In case of the due date being on a public holiday or on closed operational hours, interest will be calculated as penalty charges or overdue days.

If no payment or extension is made upon the due date, we will give a grace period of 7 (seven) calendar days. After the grace period, we will sell your collateral if payment is still not made. Any profits from the sale of your pawned item collateral will be used to cover any costs you have incurred and outstanding loans. Any leftover from the profit of the sale will be returned to you.

Yes, you will be. 1 (one) day before the sale of your collateral, we will notify you by phone, WhatsApp, text message, office bulletin board, or by email.

Any pawned items will be stored in a metal vault. Luxury cars will be stored in a storage warehouse that is under security watch for 24 hours everyday and is insured.

If your item is gone, we will replace it accordingly as your items are insured collaterals.

In accordance with the regulations of Otoritas Jasa Keuangan (OJK) and Standard Operational Procedure for Storage of Collateral Goods, collaterals cannot be borrowed, used, or be used as a collateral by the company.

To update your data, contact us by phone at 021-30051075 during office hours, every Monday - Friday from 09:00 to 16:00.

1. Your personal data is secured by restricting access to only approved users by authorized management personnels to ensure data privacy and security for our clients.
2. In accordance with the regulations of Otoritas Jasa Keuangan that is POJK Number 1/POJK.07/2013 regarding Protection of Consumers in Financial Service Sector, we pledge to guard and protect all of our consumer’s data.

If you have any complaints, inquiries, critiques, and feedback for us, we will be happy to hear. Please contact our Help center during office hours, every Monday - Friday from 09:00 to 16:00 by speaking to our Customer Service on:

1. Telephone at 021-30051075
2. WhatsApp at 0822 9888 1075
3. Email info@lescagadai.co.id

For mutual benefit and safety, the Wristwatches we receive as collateral for pawn transactions must be complemented with boxes, certificates, and purchase receipts.

Pawnable Wristwatch brands include certain types/brands of Luxury Wristwatches such as Rolex, Audemars Piguet, Patek Phillipe or other brands in accordance with the criteria/conditions of Lesca Gadai Premier. Please contact us for further information on brands and types of pawnable Wristwatches.

1. The Customer's Wristwatch will be insured and kept inside Safety Vault.
2. The Customer's Wristwatch will be sealed to minimize potential swappings and tamperings.

Upon initial receipt, the initial condition of the Wristwatch will be checked and witnessed by the Customer, then it will be carefully handled and sealed. Hence, the possibility of the Wristwatch being defunct/damaged/scratched will already be known since the initial handover.

Currently, our Car pawn service at Lesca Gadai Premier requires the handover of the Car unit, while BPKB and STNK must also be submitted to us, as collateral for the pledge.

Pawnable Car brands includeall types/brands in accordance with the criteria/conditions of Lesca Gadai Premier. Please contact us for further information on brands and types of pawnable Car.

Pawnable Cars include those which productions were no longer than the last 5 years or 2018 and afterwards. Please contact us for further detailed explanation.

No, Because pawnable Cars must be accompanied with with BPKB, STNK, other administrative documents, and not currently under lease or collateral status.

1. The Car will be stored in warehouse with 24-hour surveillance and is guaranteed by insurance.
2. Customer's Car will be maintained in compliance with specified standards.

Upon initial receipt, the initial condition of the Car will be checked and witnessed by the Customer, then the car will placed under a 24-hour surveilled warehouse so that the risk of damage / scratches shall be minimized.

Jewelry without receipt is still pawnable However, we still recommend that you bring your purchase receipt in order to get highest possible Loan Value.

Pawnable Jewelry brands include all brands and types in accordance with the criteria/conditions of Lesca Gadai Premier.

Diamonds in accordance with the criteria/conditions of Lesca Gadai Premier and are complemented with Diamond Certificate (GIA) or other certificates from Official Institution(s) in Indonesia.

For Jewelry pawns, we will only value the gold and diamonds according to their weight and carat (other accessories are excluded).

1. Customer's Jewelry will be insured and kept inside Safety Vault.
2. Customer's Jewelry will be sealed to minimize potential swappings and tamperings.

Upon initial receipt, the initial condition of the Jewelry will be checked and witnessed by the Customer, then it will be carefully handled and sealed. Hence, the possibility of the Jewelry being damaged/scratched will already be known since the initial handover.

We recommend that you bring your purchase receipt in order to get highest possible Loan Value.

路易威登、爱马仕、香奈儿或其他Lesca Gadai Premier规定的品牌。如果想了解更多可典当豪华包的品牌和类型信息，可随时联系我们。

1. Customer's Luxury Bags will be insured and kept in specially conditioned rooms and shelves.
2. Customer's Luxury Bags will be sealed to minimize potential swappings and tamperings.
3. Customer's Luxury Bags will be stored for a maximum period of 2 months to maintain the quality of the bags, hence the maximum pawn period that we provide is 2 months.

Upon initial receipt, the initial condition of the Luxury Bag will be checked and witnessed by the Customer, then it will be carefully handled and sealed. Hence, the possibility of the Luxury Bag being damaged/scratched will already be known since the initial handover.

Firstly, your Luxury Bag will to be deposited at Lesca Gadai Premier for physical verification and authentication (entrupy authentication) process.

Secondly, you will have to pay an entry fee, which will then be forwarded by us to the relevant party that carries out the authentication process.

The processing time required is approximately 3-4 working days. You don't have to worry because your valuables are protected and guaranteed during this verification period.

Entrupy authentication is an artificial intelligence and mobile device application to authenticate or identify the authenticity of bags that are officially and internationally recognized, which results are 99.1% accurate.

The pawnable brands of Gold at Lesca Gadai Premier include Antam, UBS, and all other brands and types in accordance with Lesca Gadai Premier’s criteria/conditions.

Gold Certificate (GIA) or other certificate(s) from Official Institution(s) in Indonesia (e.g. Pegadaian Persero) for goods in the form of diamonds We recommend that the Gold submitted to us to be accompanied by the certificate and purchase receipt in order to obtain highest Loan Amount possible.

As long as they accord to our criteria/conditions, Lesca Gadai Premier will accept it.

1. Customer's Gold will be insured and kept inside Safety Vault.
2. Customer's Gold will be sealed to minimize potential swappings and tamperings.

Upon initial receipt, the initial condition of the Gold will be checked and witnessed by the Customer, then it will be carefully handled and sealed. Hence, the possibility of the Gold being defunct/damaged/scratched will already be known since the initial handover.

Saham yang bisa digadaikan di Lesca Dana Premier adalah saham LQ45 yang diperdagangkan di Bursa Efek Indonesia

Prosesnya cukup cepat, aman dan nyaman, karena transaksi bisa online dimana kami menggunakan tandatangan digital sehingga transaksi bisa dilaksanakan dari rumah

Saat ini gadai saham di kami masih dalam tahap pengembangan, namun tidak perlu khawatir segera akan kami luncurkan, dan apabila ada pertanyaan sebelum produk kami luncurkan, kami dengan senang hati akan membantu