Features & Benefits

Long-Term Instalments
Long-Term Instalments
No Collateral
Multiple Payment Channels

Long-term installments

Loan Tenor 12-72 months

High credit limit

Eligibility & Requirements

Eligibility & Requirements

Occupation

A salaried employee, a government official, or a state-enterprise official

Nationality

Thai

Age

Aged between 21-59 years (the total years of age and payment period shall not be more than 60 years)

Monthly Income

Minimum Fixed Income 20,000 THB

Years of service/operation

6 months or more

Document Requirements For Application 

 

Please provide one of the following documents as proof of income: 

  • The most recent original pay slip or a pay slip issued within the past two months from the current date, or
  • A copy of the most recent pay slip or a pay slip issued within the past two months from the current date, along with a copy of the salary account statement covering the past three months from the current date, or
  • E-Payroll Slip – A computer-generated pay slip for the most recent month, accompanied by a copy of the salary account statement covering the past three months from the current date, or
  • An original salary certificate issued for the most recent month or within the past two months from the current date, along with a copy of the salary account statement covering the past three months from the current date. 

Special Interest

 

Terms and Conditions: Special privilege for a customer who applies and has been approved for a Personal loan from CIMB Thai Bank from 14 December 2024 to 30 June 2025.

Personal Loan for Salaried Employee

Special Interest for Salaried Employee

Special Interest

(per year)

Contract Term

THB 20,000

18.99%

Up to 60 months

19.99%

equal to 72 months

THB 30,000

9.99%

equal to 12 months

14.99%

equal to 24 months

16.99%

equal to 36 months

17.99%

equal to 48 months

THB 50,000

13.99%

equal to 24 months

14.99%

equal to 36 months

Personal Loan Installment Payment Plan

(based on the term of contract)

Approval limit

(THB)

9.99% 

per year

12 months

13.99%

per year

24 months

14.99%

per year

24 months

14.99%

per year

36 months

16.99%

per year

36 months

17.99%

per year

48 months

18.99%

per year

60 months

19.99%

per year

72 months

30,000

2,640

1,450

1,460

1,040

1,070

890

780

720

50,000

4,400

2,410

2,430

1,740

1,790

1,470

1,300

1,200

100,000

8,800

4,810

4,850

3,470

3,570

2,940

2,600

2,400

500,000

43,960

24,010

24,250

17,340

17,830

14,690

12,970

11,980

800,000

70,330

38,410

38,790

27,730

28,520

23,500

20,750

19,160

1,000,000

87,920

48,010

48,490

34,670

35,650

29,370

25,940

23,950

1,500,000

131,870

72,020

72,730

52,000

53,480

44,060

38,910

35,930

2,000,000

175,830

96,020

96,970

69,330

71,300

58.740

51,880

47,900
  • The maximum credit approval is 5 times the income or up to THB 2.0 million. The funds will be transferred into the applicant's savings account. The Bank reserves the right to approve the credit limit and special interest rate under this campaign or decline the credit request according to the Bank's credit consideration criteria.
  • If monthly salaried employees earn less than THB 30,000, they will receive a maximum credit limit not exceeding 1.5 times their average monthly income. The customer shall receive personal loans from no more than three regulated service providers or peer-to-peer lending platforms. The customer must provide details of any personal loans requested from regulated financial institutions, including banks and non-bank entities.
  • If the repayment does not meet the conditions set by the Bank (i.e., payment is late or not made on the due date), the Bank will charge a default interest rate, in addition to the maximum contractual interest rate, up to 3% per year, on each overdue principal repayment until the court accepts the filing of the lawsuit or the repayment is made according to the conditions specified by the Bank. The total amount of interest, fines, service fees, late fees, or any fees to be charged shall not exceed 25% per year.
  • The Bank reserves the right to change or cancel the details and conditions of this campaign. If the customer loses benefits or incurs additional burdens, the Bank will notify the customer at least 30 days in advance before taking effect, as specified by the Bank of Thailand.
  • In the case of a dispute, the Bank’s discretion shall be final.
  • The details of interests, service fees, or any fines shall be in accordance with the Bank’s announcement.

 

Important Note:

  • Request the credit amount based on necessity and affordability.
  • A salaried employee refers to a government official, a state-enterprise official, or a private company official who earns a fixed monthly salary.
  • Interest rates range from 9.99% to 25% per year.

 

Fact sheet

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Loan Application

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