| Car is one that is often used transport vehicles both private and public. The growth of car ownership at this time because of the role of leasing which helps in auto loans. This is the main entry for leasing, as well as being a major risk for the lease because of bad credit. It is therefore necessary precautions to minimize the risk of bad debts in the future. Prevention of risks undertaken by the lease is to use a common risk. However, in this study, will be identifying factors - a major factor in the risks and subrisiko of each - one major factor is to minimize the possibility of bad credit. The main risks that have been identified, among others, Character, Capacity, Capital, Collateral, and Conditions summarized in the risk of 5 C. and subrisiko of each - each key risks have been identified. Factors - risk factors will be processed into the calculation of risk weights using the AHP with the use Expertchoice program, and also making a causal diagram to determine the relationship between setiao facto risk. And as learning, will be making a simulation model auto loans by using software Powersim Studio 7 will provide a tool for analysts in the decision granting auto loans. |