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About this app

MiniCash - Loans that understand you, fulfilling every intention.
Make managing your money easy and secure with "MiniCash," a legally compliant provincial-level microfinance application regulated by the Ministry of Finance. We provide services with sincerity and a commitment to fairness. We are ready to help you overcome emergencies with a fast, clear, and fee-free process.

Key features of MiniCash:
Easy access: Specifically designed for small businesses, providing immediate liquidity.
Fair interest rates: Calculated on a reducing balance basis (Effective Rate). The more you repay, the more the interest decreases.
Safe and reliable: High-level personal data security system.
Friendly service: Our team is ready to provide advice and assistance throughout your use of the service.

Product Details:
Loan Amount: Up to 50,000 THB
Annual Interest Rate (APR): 15% - 25.8% (Reducing Balance)
Repayment Period: 91 - 180 days

Loan Calculation Example:
If approved for a loan of 30,000 THB, repayment period of 180 days (divided into 6 installments), daily interest rate 0.06%, installment interest rate 1.8%:
Installment 1:
Amount: 5,319.68 THB
(Broken into: Principal 4,779.68 THB | Interest 540.00 THB)
Remaining Principal Balance: 25,220.32 THB
Installment 2:
Amount: 5,319.68 THB
(Broken into: Principal 4,865.71 THB | Interest 453.97 THB)
Remaining Principal Balance: 20,354.61 THB Baht
Installment 3:
Payment Amount: 5,319.68 Baht
(Breaking down into: Principal 4,953.30 Baht | Interest 366.38 Baht)
Remaining Principal Balance Carried Forward: 15,401.31 Baht
Installment 4:
Payment Amount: 5,319.68 Baht
(Breaking down into: Principal 5,042.46 Baht | Interest 277.22 Baht)
Remaining Principal Balance Carried Forward: 10,358.85 Baht
Installment 5:
Payment Amount: 5,319.68 Baht
(Breaking down into: Principal 5,133.22 Baht | Interest 186.46 Baht)
Remaining Principal Balance Carried Forward: 5,225.63 Baht
Installment 6:
Payment Amount: 5,319.68 Baht
(Breaking down into: Principal 5,225.63 Baht | Interest 94.05 Baht) (Baht)
Principal Balance Carried Forward: 0 Baht
Total Repayment Amount: 31,918.08 Baht (Including Interest 1,918.08 Baht)

(Note: This is an initial estimate. Actual interest will decrease based on principal repayments.)

Important Security Note (We care about your safety):
All transactions are processed only through official accounts: Please conduct all financial transactions only through the account specified in the application. Do not transfer money to any personal account under any circumstances for your maximum security.
Fraud Prevention: Important Note: Please verify the correct "MiniCash" logo on the application before use to prevent being scammed by fraudulent applications.
No Hidden Fees: MiniCash will not charge any pre-approval transfer fees through personal accounts. All fees are clearly stated, transparent, and verifiable in the contract.

Service Provider Information:
Licensed Company: Songphinong Pico Speedy Cash Company Limited
Pico Finance License Number: 838/2563
Application Developer: Songphinong Pico Speedy Cash Company Limited
Contact Information (Always available):
Email: [e-mail]
Company Address: 36/2 Bangli-Nongwanpriang Road, Songphi Nong Subdistrict, Songphi Nong District, Suphan Buri Province 72110
Online Customer Service: You can chat and ask questions immediately through the "Customer Service Center" menu within the application. Our team is happy to serve you with kindness.

What’s new

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