company focused on developing Digital Communication and Financial Technology solutions
Yes, 100% legally compliant. The Company operates under a Provincial Microfinance (Pico Finance) license (License No. 67/2563) and is regulated by the Ministry of Finance. You can be assured that interest rates and debt collection practices fully comply with legal requirements, without the risks associated with informal or illegal lending apps.
Thai nationals aged 20–60 with a stable income and residence in licensed operating areas. Approval is subject to the company’s criteria.
Generally, no guarantor is required. Applications are assessed based on the applicant’s credit profile and repayment capability.
Generally, only basic information is required, such as your ID card and income details, verified through the application’s digital system.
Loan amounts range from THB 3,000 to THB 50,000. The interest rate does not exceed 35.8% per annum on a reducing balance basis, in accordance with regulatory requirements.
The loan amount depends on the applicant’s information and repayment ability, within the limits defined by Pico Finance regulations.
Once approved and the agreement is confirmed, funds will be transferred within 24 hours (subject to bank processing time).
Repayment terms range from 91 to 180 days (approximately 3–6 months), subject to the company’s terms and conditions.
No. The company does not charge any upfront fees. We will never request OTP codes or ask customers to transfer money to personal accounts.
Reducing balance interest is calculated based on the outstanding principal in each repayment period. If you pay more than the minimum amount or settle the loan early, the total interest payable will decrease in proportion to the reduced principal balance.
We do not require collateral or guarantors. We understand the need for financial flexibility in today’s world, so our approval process focuses on your basic information, intent, and repayment ability through a digital system. This allows you to access funding easily and quickly without involving others.