Rates & fees
Every cost, in one table
No hidden charges. Anything not listed here is never charged.
| Item | Rate | Note |
|---|---|---|
| Interest rate | 10% – 14% p.a. (declining balance) | Actual rate shown in your Key Facts Statement |
| Annual percentage rate (APR) | 10% – 14% p.a. | With no fees, APR equals the interest rate |
| Application / processing fee | THB 0 | — |
| Monthly service fee | THB 0 | — |
| Disbursement transfer fee | THB 0 | Borne by the company |
| Early repayment penalty | THB 0 | Interest is charged to the repayment date only |
| Default interest | Same as contract rate, max 14% p.a. | On overdue principal only; no penalty, never compounded |
| Collection fee | THB 0 | Never charged separately |
| All-in cost | Never exceeds 14% p.a. | Any excess is void under clause 5.3 of the agreement |