<![CDATA[This study aims to determine the perceptions, experiences, and motivating faktors of consumers in Rambung Dalam Village, Binjai City, when choosing motor vehicle loans. This study employed field research with a descriptive qualitative approach. Data collection techniques included interviews, observation, and documentation. Data obtained from motor vehicle loan recipients in Binjai City were then analyzed using descriptive qualitative methods. The results indicate that customers tend to have a positive perception of motor vehicle loan practices. Over-crediting is considered more practical, faster, and less expensive than applying for a new vehicle loan. Furthermore, customers' experiences with over-crediting were quite positive because the credit transfer process was carried out with the approval of the leasing company and supported by relatively simple procedures. Economic faktors, ease of process, and time efficiency are the primary reasons why people choose to use over-crediting. Thus, over-crediting is considered a more flexible alternative and helps people meet their motor vehicle needs.]]>
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