There are a couple of conditions in order to be eligible for a bank loan in Indonesia.

Collateral loan

Foreigners are not been able to get loans in order to purchase property in Indonesia, because they cannot hold a Hak Milik title (ownership rights).
Indonesian banks will not lend money to people who only have a Hak Pakai title (user-ship rights) regarding their property; this applies to foreigners as well as Indonesians.

With a prenup, the Indonesian spouse can hold a Hak Milik title and apply for a mortgage.

Besides Hak Milik, the bank can accept Hak Guna Bangunan (building rights) and Hak Guna Usaha (cultivation rights) land titles as collateral to secure a loan.

Indonesian individuals can hold these rights, as well as legal entities under Indonesian law.
So for a foreigner to get a loan on a HGB or HGU title, you need to establish a fully or partly foreign-owned PT PMA (Foreign Direct Investment Ltd. Company).

Common durations for mortgages are 5 to 10 years and generally a down payment is required.

Consumer loan

A foreigner needs to have an ITAS or ITAP stay permit, to legally own a car in Indonesia.

Still, most Indonesian banks will not borrow you the money if you need a loan to purchase the vehicle.
In that case, you may be able to get a car financed via an automotive finance company or alternatively to arrange a car lease contract.

In general, banks will not provide consumer credit or overdraft facilities to expatriates based on their monthly income.

Summary

Check and compare the conditions of a number of reputable banks to determine what suits you best. The large Indonesian banks as well as foreign banks with a branch office in Indonesia may offer various loan facilities.