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ThaiNance provides a comprehensive online loan service for users in Thailand. Easy application, fast approval, and immediate disbursement. No salary slip or collateral required. Loan amounts up to 50,000 baht. Operated under the supervision of the Fiscal Policy Office (PICO) and strictly compliant 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 Eligibility: Thai nationality, 20 years of age or older, with a regular income or ability to demonstrate repayment capacity.
- Loan Amount: From 3,000 – 50,000 baht (amount adjusted based on credit history).
- Minimum and Maximum Repayment Terms: Choose between 3-month or 12-month (91 – 365 days) repayment period.
- Maximum Annual Rate (APR): 10% – 35.8%

- No fees
- No application fee
- No account opening fee
- Early repayment: No penalty, only interest accrued.

Key Features of ThaiNance:
- Independent Loans, No Collateral Required
Apply with just your ID card and phone number. No need for a house, land, car, or guarantor. Opening opportunities for self-employed individuals and all groups of workers.

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

- Easy Application, Fast Disbursement. All steps are done online 100%.
From application, verification, approval, to receiving funds, every step is secure through the application.

Loan Calculation Example
- Loan Amount: 27,000 THB
- Loan Term: 120 days (4 months)
- Interest Rate: 21.9% per annum (calculated as 0.0822% daily interest)
- No additional fees
How to Calculate Daily Interest:
- 27,000 × 0.06% = 16.2 THB/day
Monthly Payments:
- Month 1 (40 days)
Interest: 16.2 × 40 = 648 THB
Payment Amount: (27,000 ÷ 3) + 648 = 9,648 THB
- Month 2 (40 days)
Interest: 16.2 × 40 = 648 THB
Payment Amount: (27,000 ÷ 3) + 648 = 9,648 THB
- Month 3 (40 days)
Interest: 16.2 × 40 = 648 Baht
Installment Amount: (27,000 ÷ 3) + 648 = 9,648 Baht
Total Interest and Payment Amount
- Total Interest: 16.2 × 120 = 1,944 Baht
- Total Payment Amount: 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 only through official accounts: Conduct transactions only through the account displayed in the app. Do not transfer money to any individual's personal account.
- Prevent Fraud: Look for the ThaiNance logo on the app to prevent using fake apps.
- No Hidden Fees: ThaiNance does not charge fees through personal accounts. All fees and details are transparently displayed in the contract.

Contact Channels
- LINE ID: qr-thainance
- Customer Service Email: thainancecs01@gmail.com
- Company Address: 135/37 Ratchadaphisek Road, Soi Nathong Amornphan 205 Tower 2, DIN DAENG - 10400 Thailand
- Online Customer Service: Contact us through the Customer Service Center menu in the app.