Over the last five years (2010-2015) portfolio Multipurpose Credit Bank "PQR" continued to grow every year, but the growth over three years (2013-2015) tend to decrease. Multipurpose Loan of 2010-2012 on average grew by Rp. 584,557 million per year, but the growth of credit Multipurpose tended to decrease since 2013 with an average Rp. 350,722 million. The study aims to analyze the influence of promotions, location, and credit procedure in Multipurpose Loan to take credit in Bank"PQR". The number of samples is 100 respondents and the sampling technique is accidental sampling, with criteria already taking multipurpose loans. Data was analyzed with quantitative method that is multiple regression. The results showed that promotion, location, and credit procedures have significant and positif effect on customer’s decision to take the Multipurpose Loan. The strongest influence to the customers in the decision to take Multipurpose Loan is come from the location.