ThaiNance offers a comprehensive online loan service for users in Thailand. Easy application, fast approval, instant cash advances, no payslips or collateral required. Credit limits up to 50,000 baht are available. We operate under the supervision of the Ministry of Finance (PICO) and strictly comply with the Personal Data Protection Act (PDPA).

ThaiNance is a legal mobile application regulated by the Fiscal Policy Office (PICO), and we are a partner of QR Technology Co., Ltd.

Loan Product Information
- Applicant Qualifications: Thai nationality, age 20 or older, with a regular income or demonstrable ability to repay debt.
- Loan Limit: 3,000 – 50,000 baht (limit adjusted based on credit history).
- Minimum and Maximum Loan Terms: Choose from 3 or 12 monthly installments (91 – 365 days).
- Maximum Annual Interest Rate (APR): 25% – 35.8%.

- No Fees
- No Application Fees
- No Account Opening Fees
- Early Closing: No Penalty. Only actual interest is paid.

Thai Finance Highlights
- Independent Loans, No Collateral Required
Apply with just your ID card and phone number. No house, land, car, or guarantor required. Open to freelancers and all labor groups.

- 100% Transparent, No Hidden Fees
- No processing fees, no withdrawal fees, and no early account closure fees.

- Easy application, fast cash advances. Every step is 100% online.
- From application, verification, approval, and payment, every step is securely processed via the app.

Example Loan Calculation
- Loan Amount: 27,000 THB
- Term: 120 days (4 months)
- Interest Rate: 21.9% per annum (daily interest rate of 0.0822%)
- No additional fees
How to Calculate Daily Interest
- 27,000 × 0.06% = 16.2 THB/day
Monthly Payment Method
- Month 1 (40 days)
Interest: 16.2 × 40 = 648 THB
Amount: (27,000 ÷ 3) + 648 = 9,648 THB
- Month 2 (40 days)
Interest: 16.2 × 40 = 648 THB
Amount: (27,000 ÷ 3) + 648 = 9,648 THB
- Month 3 (40 days)
Interest: 16.2 × 40 = 648 THB Baht
Installment Amount: (27,000 ÷ 3) + 648 = 9,648 Baht
Total Interest and Total Payments
- Total Interest: 16.2 × 120 = 1,944 Baht
- Total Payments: 27,000 + 1,944 = 28,944 Baht
***The loan amount, interest, and repayment period above are for calculation purposes only.

Important Security Note:
- All transactions are processed through official accounts only. Transactions are processed through the account listed in the app. Do not transfer funds to any personal accounts.
- Fraud Prevention: Look for the Thai Finance logo on the app to prevent fraudulent applications.
- No Hidden Fees: Thai Finance does not charge through personal accounts. All fees and details are transparently displayed in the contract.

Contact Channels
- Customer Service Email: [email protected]
- Company Address: 135/37 Ratchadaphisek Road, Soi Nathong, Amornphan 205, Tower 2, DIN DAENG, 10400, Thailand
- Online Customer Service: Contact us via the Customer Service Center menu in the app.