The economy of Indonesia has been growing by leap and bound, and large portion of the population are shifting from lower-class consumer into the middle-class and affluent consumer socioeconomic category. That condition increases the purchasing power of middle-class consumer over the goods, including automotive products. In consequence, all of automotive products sales have increased significantly from 2009 until 2013. The raising number of automotive products sales in Indonesia was followed by the growth of consumer financing. From 2009 until 2013, 26 new business licenses have been established. As competition in the financing industry is getting tight, the financing companies have to conduct some efforts in order to retain its customer loyalty. Customer loyalty is important for business sustainability. The Structural Equation Modeling (SEM) and Self-Organizing Map (SOM) approach are applied to find factors affecting customer loyalty. Consumer's concern based on aspirations and complaints were then identified by using text-mining. SOM will cluster the aspirations and complaints of the customers into several groups. Consumer satisfaction affects customer loyalty and it also directly affected by consumer perceived value. The contribution of this research is combining structural equation modeling with text mining.