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About this app

ThaiNance is a loan app designed to help everyone access loans comfortably and safely, under the supervision of the Ministry of Finance.
ThaiNance holds a valid provincial-level license to operate microfinance businesses (Pico Finance) in accordance with the law. We prioritize the protection of all our customers' personal data (PDPA). You can rest assured that every step is transparent, clear, and secure from the first day of application until the day of loan repayment.
Why choose our services?
Open to everyone: No salary slip or collateral required. Simply having a stable income or a clear occupation allows you to apply for a loan.
Clear and transparent: We provide complete details from day one. There are no hidden fees, including application fees, account opening fees, or processing fees.
Easy and flexible management: If you want to pay off your loan early, you can do so immediately without penalty. We only calculate interest based on the actual days used.
Convenient and 100% secure: Easily apply and check your loan status through the application, with a fast and secure money transfer system.
Loan Details and Conditions:
 Loan Amount: 3,000 – 50,000 Baht (Subject to Approval)
 Repayment Period: 3 – 6 months (91 – 180 days)
 Interest Rate (APR): 10% – 35.8% per annum (Reducing balance method as per law)
 Eligibility: Thai nationality, 20 years of age or older, with a clear address or place of work.
Example of a Reducing Balance Loan Calculation
Principal: 27,000 THB Number of Installments: 6 Installments Period per Installment: 30 days (Total contract days: 180 days)
Interest Rate per Day: 0.06% Interest Rate per Installment: 0.06% × 30 = 1.8%
Amount per Installment (Fixed): 4,787.71 THB
Installment 1 (Day 30 of the contract)
Interest: 27,000 × 0.018 = 486.00 THB
Principal: 4,787.71 − 486.00 = 4301.71 THB
Remaining Principal Carried Forward: 22,698.29 THB
Installment 2 (Day 60 of the contract)
Interest: 22,698.29 × 0.018 = 408.57 THB
Principal: 4,787.71 − 408.57 = 4379.14 Baht
Remaining principal carried forward: 18,319.15 Baht
Payment installment 3 (90th day of the contract)
Interest: 18,319.15 × 0.018 = 329.74 Baht
Principal: 4,787.71 − 329.74 = 4,457.97 Baht
Remaining principal carried forward: 13,861.18 Baht
Payment installment 4 (120th day of the contract)
Interest: 13,861.18 × 0.018 = 249.50 Baht
Principal: 4,787.71 − 249.50 = 4,538.21 Baht
Remaining principal carried forward: 9,322.97 Baht
Payment installment 5 (150th day of the contract)
Interest: 9,322.97 × 0.018 = 167.81 Baht
Principal: 4,787.71 − 167.81 = 4,619.90 Baht
Remaining principal carried forward: 4,703.07 Baht
Installment 6 (Day 180 of the contract)
Interest: 4,703.07 × 0.018 = 84.64 Baht
Principal: 4,787.71 − 84.64 = 4,703.07 Baht
Remaining principal carried forward: 0 Baht
Loan Summary
- Actual amount you received: 27,000 Baht
- Total interest paid throughout the contract: 1,726.26 Baht (28,726.26 − 27,000)
- Total amount to be repaid: 28,726.26 Baht (4,787.71 × 6)
Interest Calculation Criteria  Daily interest calculation: Calculated from (Remaining principal × 18.25% interest rate ÷ 365) × number of days in that installment.
 The faster you pay, the more interest you save: Paying before or above the minimum amount will immediately deduct from the principal, helping to reduce interest in the next installment.
 Transparent and no hidden fees: Every payment only deducts principal and interest; there are no other hidden fees.
Note: This information is only a preliminary example. The actual payment amount depends on the terms and conditions you have been approved for.
3 things to watch out for for your safety:
 Transfer only through the company account: Never transfer to any personal account to prevent fraud and errors.
Look for the "Thai Finance" logo: Always check the app logo clearly before using it to avoid fake apps.
Transparent and no hidden fees: You can check your payment amount from the contract in the app only. There are no out-of-system fees charged under any circumstances.
Contact Us
 Licensed Service Provider: QR Technologies Co., Ltd.
 Address: 135/37 Ratchadaphisek Road, Amornphan 205 Tower 2, 14th Floor, Din Daeng District, Bangkok 10400
 PICO Finance License Number: 67/2563
 Application Developer: KT-Technologies Co., Ltd.
 LINE ID: @thainance
 Website: www.kttec.co.th
 Email: [e-mail]
Chat with an agent: Contact us immediately via the "Contact Us" menu in the application.