{"id":6063,"date":"2026-03-20T15:21:14","date_gmt":"2026-03-20T08:21:14","guid":{"rendered":"https:\/\/qrtec.co.th\/loan-agreement\/"},"modified":"2026-04-02T11:35:54","modified_gmt":"2026-04-02T04:35:54","slug":"loan-agreement","status":"publish","type":"page","link":"https:\/\/qrtec.co.th\/en\/pico-finance\/loan-agreement\/","title":{"rendered":"Loan Agreement"},"content":{"rendered":"\t\t
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Loan Agreement<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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company focused on developing Digital Communication and Financial Technology solutions<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Loan Agreement<\/b><\/p>

This Loan Agreement (\u201cAgreement\u201d) is made on [DD\/MM\/YYYY]<\/span><\/p>

Between:<\/b><\/p>

Lender:<\/b><\/p>

Company Name: QR Technologies Company Limited<\/span>
<\/span>Registered Address: 135\/37, 12A Floor, Amornphan 205 Tower 2, Soi Nathong, Ratchadaphisek Road, Din Daeng Subdistrict, Din Daeng District, Bangkok 10400, Thailand<\/span>
<\/span>Contact: customerservice@qrtec.com<\/span>
<\/span>(hereinafter referred to as the \u201cLender\u201d or \u201cFinancial Institution\u201d)<\/span><\/p>

Borrower:<\/b><\/p>

Name: ________________________<\/span>
<\/span>Address: ________________________<\/span>
<\/span>ID Card\/Passport No.: ________________________<\/span>
<\/span>Email: ________________________<\/span>
<\/span>Phone Number: ________________________<\/span>
<\/span>(hereinafter referred to as the \u201cBorrower\u201d)<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Important Information<\/b><\/p>

  1. The Borrower must confirm via the platform designated by the Lender (including the OonJai Cash application, hereinafter referred to as the \u201cApp\u201d). By clicking \u201cConfirm\u201d or \u201cAgree,\u201d the Borrower confirms that they have read, understood, and voluntarily accepted all terms of this Agreement. This Agreement is legally binding on both parties.\u00a0<\/span><\/li>
  2. To protect your rights, please read this Agreement carefully before accepting.\u00a0<\/span><\/li>
  3. This Agreement may be executed electronically by clicking \u201cConfirm\u201d or \u201cAgree\u201d and logging in using the Borrower\u2019s credentials. <\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Clause 1: Background<\/b><\/p>\n

    1.1 The Lender is a company legally established under Thai law and licensed to operate microfinance business under the Ministry of Finance.<\/span>
    <\/span>1.2 The Borrower is a legally competent individual applying for a loan via the Lender\u2019s electronic platform (\u201cPlatform\u201d).<\/span>
    <\/span>1.3 Both parties agree to execute this Agreement electronically.<\/span><\/p>\n

    Clause 2: Loan Terms<\/b><\/p>\n

    2.1 <\/span>Loan Amount<\/b>
    <\/span>The Lender agrees to provide a loan of ______ THB.<\/span><\/p>\n

    2.2 <\/span>Interest and Fees<\/b><\/p>\n

      \n
    • Annual Interest Rate (APR): ____% per annum (daily calculation) <\/span><\/li>\n
    • Default Interest: ____% per annum on overdue amounts <\/span><\/li>\n
    • Debt Collection Fee: THB 50 (as permitted by law) 

      <\/span><\/li>\n<\/ul>\n

      2.3 <\/span>Loan Term<\/b>
      <\/span>Repayment must be made within ____ days or by __________.<\/span><\/p>\n

      2.4 <\/span>Disbursement Method<\/b>
      <\/span>Funds will be transferred to the Borrower\u2019s bank account:<\/span><\/p>\n

        \n
      • Bank Name: __________ <\/span><\/li>\n
      • Account Name: __________ <\/span><\/li>\n
      • Account Number: __________ 

        <\/span><\/li>\n<\/ul>\n

        2.5 <\/span>Repayment Plan<\/b><\/p>\n

          \n
        • Installments: ____ installments of ______ THB each <\/span><\/li>\n
        • Early Repayment: Allowed with prior notice; no interest charged for unused period (subject to Lender approval) 

          <\/span><\/li>\n<\/ul>\n

          2.6 <\/span>Default<\/b>
          <\/span>Failure to repay on time without extension constitutes default, and additional interest and fees will apply.<\/span><\/p>\n

          Clause 3: Representations and Warranties of Borrower<\/b><\/p>\n

          The Borrower confirms:<\/span><\/p>\n

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          • Acceptance via platform is legally valid <\/span><\/li>\n
          • Age \u2265 20 and legally competent <\/span><\/li>\n
          • All provided information is accurate and complete <\/span><\/li>\n
          • Loan will be used for lawful purposes only <\/span><\/li>\n
          • Understands risks, fees, and repayment obligations <\/span><\/li>\n
          • Lender may share credit information with relevant authorities and institutions 

            <\/span><\/li>\n<\/ul>\n

            Clause 4: Rights and Obligations of Borrower<\/b><\/p>\n

            The Borrower shall:<\/span><\/p>\n

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            • Use funds strictly for stated purposes <\/span><\/li>\n
            • Provide accurate and updated information <\/span><\/li>\n
            • Maintain repayment capability <\/span><\/li>\n
            • Not assign rights without consent <\/span><\/li>\n
            • Provide at least two emergency contacts <\/span><\/li>\n
            • Comply with applicable laws (PDPA, AML, etc.) <\/span><\/li>\n
            • Notify the Lender within 3 business days of major changes 

              <\/span><\/li>\n<\/ul>\n

              Clause 5: Rights and Obligations of Lender<\/b><\/p>\n

              The Lender has the right to:<\/span><\/p>\n

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              • Verify borrower information <\/span><\/li>\n
              • Approve\/reject applications <\/span><\/li>\n
              • Demand repayment of principal, interest, and fees <\/span><\/li>\n
              • Take action if loan is misused <\/span><\/li>\n
              • Share data with third parties for debt collection <\/span><\/li>\n
              • Assign rights under this Agreement 

                <\/span><\/li>\n<\/ul>\n

                Clause 6: Purpose of Agreement<\/b><\/p>\n

                Loans are disbursed in Thai Baht via bank transfer to the Borrower\u2019s account.<\/span><\/p>\n

                Clause 7: Payment and Allocation<\/b><\/p>\n

                Payments are applied in order:<\/span><\/p>\n

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                1. Fees <\/span><\/li>\n
                2. Interest <\/span><\/li>\n
                3. Principal 

                  <\/span><\/li>\n<\/ol>\n

                  Clause 8: Term of Agreement<\/b><\/p>\n

                  Effective from signing until full repayment. Early termination is possible after full repayment.<\/span><\/p>\n

                  Clause 9: Digital Data<\/b><\/p>\n

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                  • Electronic communication is legally valid <\/span><\/li>\n
                  • Digital signatures are binding and enforceable 

                    <\/span><\/li>\n<\/ul>\n

                    Clause 10: Amendment and Termination<\/b><\/p>\n

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                    • Lender may amend terms with notice <\/span><\/li>\n
                    • Borrower may terminate within specified period if not agreeing 

                      <\/span><\/li>\n<\/ul>\n

                      Clause 11: Default and Remedies<\/b><\/p>\n

                      Default includes:<\/span><\/p>\n

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                      • False information <\/span><\/li>\n
                      • Misuse of funds <\/span><\/li>\n
                      • Asset concealment <\/span><\/li>\n
                      • Legal or financial incapacity 

                        <\/span><\/li>\n<\/ul>\n

                        Remedies include:<\/span><\/p>\n

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                        • Immediate repayment demand <\/span><\/li>\n
                        • Legal action <\/span><\/li>\n
                        • Collection fees and penalties 

                          <\/span><\/li>\n<\/ul>\n

                          Clause 12: Execution<\/b><\/p>\n

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                          • Electronic acceptance is legally binding <\/span><\/li>\n
                          • Agreement becomes effective upon loan disbursement 

                            <\/span><\/li>\n<\/ul>\n

                            Clause 13: Miscellaneous<\/b><\/p>\n

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                            • Force majeure applies <\/span><\/li>\n
                            • Borrower must notify changes within 3 days 

                              <\/span><\/li>\n<\/ul>\n

                              Clause 14: Governing Law<\/b><\/p>\n

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                              • Governed by Thai law <\/span><\/li>\n
                              • Disputes subject to Thai courts 

                                <\/span><\/li>\n<\/ul>\n

                                Clause 15: Geographic Restriction<\/b><\/p>\n

                                Services are limited to Bangkok residents only.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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                                Key Conditions:<\/b><\/p>

                                • Must reside or be registered in Bangkok\u00a0<\/span><\/li>
                                • Must pass geolocation verification (Geofence)\u00a0<\/span><\/li>
                                • Must provide valid proof of residence\u00a0<\/span><\/li>
                                • False information may result in termination\u00a0

                                  <\/span><\/li><\/ul>

                                  The Company reserves the right to refuse or terminate service if conditions are not met.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

                                  Loan Agreement company focused on developing Digital Communication and Financial Technology solutions Loan Agreement This Loan Agreement (\u201cAgreement\u201d) is made on [DD\/MM\/YYYY] Between: Lender: Company Name: QR Technologies Company LimitedRegistered Address: 135\/37, 12A Floor, Amornphan 205 Tower 2, Soi Nathong, Ratchadaphisek Road, Din Daeng Subdistrict, Din Daeng District, Bangkok 10400, ThailandContact: customerservice@qrtec.com(hereinafter referred to as […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6215,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-6063","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6063","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/comments?post=6063"}],"version-history":[{"count":10,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6063\/revisions"}],"predecessor-version":[{"id":7937,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6063\/revisions\/7937"}],"up":[{"embeddable":true,"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/pages\/6215"}],"wp:attachment":[{"href":"https:\/\/qrtec.co.th\/en\/wp-json\/wp\/v2\/media?parent=6063"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}