Tiara (Diva Pancarani), a final-year university student in Makassar, works part-time at a café to help support her family. Her life becomes complicated when she finds herself in a love triangle with her friend Rija (Rijja Abbas), a photographer with unstable income but an extravagant lifestyle, and Jhaka (Jhaka Wijaz), a barista living modestly with multiple loan installments weighing him down.

Gara Gara Cicilan portrays the everyday realities of young adults navigating financial pressure and emotional struggles in the city of Makassar. The film, which premiered on 9 November 2025, reflects the dreams, burdens, and relationships that shape their lives. The Film Censorship Institution of the Republic of Indonesia (LSF) has rated this film for audiences aged 13 and above. (fat)