สมใจ - เงินด่วน อาชีพอิสระ

Nobita Shisuka

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About this app

Somjai will recommend you to find small self-employed loans that do not require payslips.
Our application is an intermediary for providing information. Screen only legitimate credit service providers.
when you use our application services You can trust that that service provider Definitely certified by the Bank of Thailand
You can verify it by the number provided in the app.


increase convenience for customers ready to open up new experiences for you to use the service quickly You don't have to go to the branch, you can pay by yourself.


Examples of Interest and Fee Calculations for Pico Finance Loans
If the loan is approved and the contract is made on August 8, 2021
- Credit limit 10,000 baht
- The amount to be received is 10,000 baht, no fee.
- 33% interest per year
- Installment period 15 months
- Pay every 28th of the month
-Minimum and maximum repayment periods of 120 - 365 days
- Maximum interest percentage, Maximum Annual Percentage Rate' (APR) 33% per year

so
- 28 Aug. '21 Payment amount = 816.0 baht (principal = 635.2 baht, accumulated interest for 20 days = 10,000.00*33%*20/365 = 180.8 baht), remaining principal = 9364.82 baht
- 28 Sep. '21 Payment amount = 816.0 baht (principal = 553.5 baht, 31-day cumulative interest = 9,364.82*33%*31/365=262.5 baht), remaining principal = 8811.29 baht
- 28 Oct. '21 Payment amount = 816.0 baht (principal = 577.0 baht, accumulated interest for 30 days = 8,811.29*33%*30/365=239.0 baht), remaining principal = 8234.28 baht
- 28 Nov. '21 Payment amount = 816.0 baht (principal = 585.2 baht, accumulated interest for 31 days = 8,234.28*33%*31/365=230.8 baht), remaining principal = 7649.07 baht
- 28 Dec. '21 Payment amount = 816.0 baht (principal = 608.5 baht, accumulated interest for 30 days = 7,649.07*33%*30/365=207.5 baht), remaining principal = 7040.54 baht
- 28 Jan. '22 Payment amount = 816.0 baht (principal = 618.7 baht, 31-day cumulative interest = 7,040.54*33%*31/365 = 197.3 baht), remaining principal = 6421.87 baht
- 28 Feb. '22 Payment amount = 816.0 baht (principal = 636.0 baht, 31-day cumulative interest = 6,421.87*33%*31/365 = 180.0 baht), remaining principal = 5785.85 baht
- 28 March '22 Payment amount = 816.0 baht (principal = 669.5 baht, accumulated interest 28 days = 5,785.85*33%*28/365 = 146.5 baht), remaining principal = 5116.32 baht
- April 28, 2022 Payment amount = 816.0 baht (principal = 672.6 baht, 31-day cumulative interest = 5,116.32*33%*31/365=143.4 baht), remaining principal = 4443.72 baht
- May 28, 2022 Payment amount = 816.0 baht (principal = 695.5 baht, accumulated interest for 30 days = 4,443.72*33%*30/365 = 120.5 baht), remaining principal = 3748.25 baht.
- 28 Jun. '22 Payment amount = 816.0 baht (principal = 710.9 baht, 31-day cumulative interest = 3,748.25*33%*31/365 = 105.1 baht), remaining principal = 3037.30 baht.
- 28 Jul. '22 Payment amount = 816.0 baht (principal = 733.6 baht, accumulated interest for 30 days = 3,037.30*33%*30/365 = 82.4 baht), remaining principal = 2303.68 baht.
- 28 Aug. '22 Payment amount = 816.0 baht (principal = 751.4 baht, accumulated interest for 31 days = 2,303.68*33%*31/365=64.6 baht), remaining principal = 1552.25 baht.
- 28 Sep. '22 Payment amount = 816.0 baht (principal = 772.5 baht, 31-day cumulative interest = 1,552.25*33%*31/365 = 43.5 baht), remaining principal = 779.76 baht
- 28 Oct. '22 Payment amount = 800.9 baht (principal = 779.8 baht, accumulated interest for 30 days = 779.76*33%*30/365=21.1 baht), remaining principal = 0.00 baht

Therefore, the total payment amount of 12,224.91 baht is interest of 2,224.91 baht from the principal of 10,000 baht with an interest rate (APR) of 33% per year.

*The example is just a preliminary calculation. Figures may change depending on the criteria set by the company.

Disclosure
Address: 999 Soi Srinakarin 90, Nong Bon Subdistrict, Prawet District, Bangkok 10251

Disclaimer:
This application is not a direct loan service application. We screen loan service providers certified by the Bank of Thailand. and recommended to users only without providing any lending services

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