Interest, Usage Fee and Other Fees of Personal Loan under Supervision Effective from 11 December 2025 onwards
| 3.1.1 Payment Fee | |||||||||||||
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| 3.1.2 Credit Bureau Checking Fee | |||||||||||||
| Hit information: 12 baht / time Non-hit information: 5 baht / time |
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| 3.1.3 Expense in case of insufficient funds in the account for payment (If payment by direct debit to other financial institutions) |
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| None | |||||||||||||
| 3.1.4 Collection Expense | |||||||||||||
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 3.1.5 Withdrawal Expense via ATM for AEON Rabbit member Card and Big C Exclusive Caed with Kasikorn Bank, Bank of Ayudhya, Krungthai Bank ,Government Savings Bank and Siam Commercial Bank | |||||||||||||
| 13 baht per transaction (VAT included) | |||||||||||||
| 3.1.6 Withdrawal Expense via ATM for AEON Rabbit member Card and Big C Exclusive Caed with Bangkok Bank | |||||||||||||
| None | |||||||||||||
| 3.1.7 AEON Rabbit Card fee | |||||||||||||
| Entrance fee | 100 baht | ||||||||||||
| 3.1.8 PromptPay | |||||||||||||
| 2.5 baht per transaction | |||||||||||||
| 3.2.1 Payment Fee | |||||||||||||
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| 3.2.2 Credit Bureau Checking Fee | |||||||||||||
| Hit information: 12 baht / time Non-hit information: 5 baht / time |
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| 3.2.3 Expense in case of insufficient funds in the account for payment (If payment by direct debit to other financial institutions) |
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| None | |||||||||||||
| 3.2.4 Collection Expense | |||||||||||||
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 3.2.5 Withdrawal Expense via ATM with Kasikorn Bank, Siam Commercial Bank | |||||||||||||
| 13 baht per transaction (VAT included) | |||||||||||||
| 3.2.6 Withdrawal Expense via ATM with Bangkok Bank | |||||||||||||
| None | |||||||||||||
| 3.2.7 PromptPay | |||||||||||||
| 2.5 baht per transaction | |||||||||||||
| 3.3.1 Payment Fee | |||||||||||||
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| 3.3.2 Credit Bureau Checking Fee | |||||||||||||
| Hit information: 12 baht / time Non-hit information: 5 baht / time |
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| 3.3.3 Expense in case of insufficient funds in the account for payment (If payment by direct debit to other financial institutions) |
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| None | |||||||||||||
| 3.3.4 Collection Expense | |||||||||||||
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 3.3.5 Withdrawal Expense via ATM with Kasikorn Bank, Siam Commercial Bank | |||||||||||||
| 13 baht per transaction (VAT included) | |||||||||||||
| 3.3.6 Withdrawal Expense via ATM with Bangkok Bank | |||||||||||||
| None | |||||||||||||
| 3.4.1 Payment Fee | |||||||||||||
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| 3.4.2 Credit Bureau Checking Fee | |||||||||||||
| Hit information: 12 baht / time Non-hit information: 5 baht / time |
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| 3.4.3 Expense in case of insufficient funds in the account for payment (If payment by direct debit to other financial institutions) |
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| None | |||||||||||||
| 3.4.4 Collection Expense | |||||||||||||
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 3.4.5 PromptPay | |||||||||||||
| none | |||||||||||||
| 4.1.1 Collection Expense | |
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 4.1.2 Return Cheque Fee | |
| 200 baht / time | |
| 4.1.3 Card Replacement / Lost / Damage Fee | |
| 100 baht / card | |
| 4.1.4 Statement Re-issue Fee | |
| None | |
| 4.1.5 PIN Re-issue Fee | |
| 50 baht / time | |
| 4.1.6 Request Fee for Transaction Investigation | |
| None |
| 4.2.1 Collection Expense | |
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 4.2.2 Return Cheque Fee | |
| 200 baht / time | |
| 4.2.3 Card Replacement / Lost / Damage Fee | |
| None *Remark : Digital YourCash and Digital YourCash-A doesn’t issue the plastic card and/or any materials to the customers. |
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| 4.2.4 Request Fee for Transaction Investigation | |
| None |
| 4.3.1 Collection Expense | |
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 4.3.2 Return Cheque Fee | |
| 200 baht / time | |
| 4.3.3 Card Replacement / Lost / Damage Fee | |
| None *Remark : Happy Loan doesn’t issue the plastic card and/or any materials to the customers. |
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| 4.3.4 Request Fee for Transaction Investigation | |
| None |
| 4.4.1 Collection Expense | |
| (Applicable when the outstanding balance is over 1,000 Baht only) - Overdue for 1 billing cycle : 50 Baht per debt collection cycle - Overdue for more than 1 billing cycle : 100 Baht per debt collection cycle |
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| 4.4.2 Return Cheque Fee | |
| 200 baht / time |
| Service Type | Interest & Credit Usage Fee (Per year) |
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| Interest | Fees | Total | |
| Your Cash Services | 15.00% | 10.00% | 25.00% |
| Happy Pay Services | 15.00% | 10.00% | 25.00% |
| Service Types | Minimum Finance Price (Baht) | ||
| Your Cash Services | 1,000 | ||
| Happy Pay Services | 1,000 | ||
| Service Types | Minimum Monthly Repayment (Baht) | ||
| Your Cash Services | 3% of loan amount, but not less than 300 Baht | ||
| Happy Pay Services | 300 | ||
| Service Types | Installment Repayment Term (month) | ||
| Happy Pay Services | 3, 6, 9, 10, 12, 18, 24, 36, and 48 | ||
| Service Type | Interest & Credit Usage Fee (Per year) |
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| Interest | Fees | Total | |
| Digital YourCash-A Services | 15.00% | 7.00% | 22.00% |
| Happy Pay Services | 15.00% | 7.00% | 22.00% |
| Service Types | Minimum Finance Price (Baht) | ||
| Digital YourCash-A Services | 1,000 | ||
| Happy Pay Services | 1,000 | ||
| Service Types | Minimum Monthly Repayment (Baht) | ||
| Digital YourCash-A Services | 3% of loan amount, but not less than 300 Baht | ||
| Happy Pay Services | 300 | ||
| Service Types | Installment Repayment Term (month) | ||
| Happy Pay Services | 3, 6, 9, 10, 12, 18, 24, 36, and 48 | ||
| Service Type | Interest & Credit Usage Fee (Per year) |
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| Interest | Fees | Total | |
| Happy Loan Services | 15.00% | 10.00% | 25.00% |
| Service Types | Minimum Finance Price (Baht) | ||
| Happy Loan Services | 5,000 | ||
| Service Types | Monthly Repayment (Baht) | ||
| Happy Loan Services | Depending on the approved credit line. | ||
| Service Types | Installment Repayment Term (month) | ||
| Happy Loan Services | 6 | ||
| Service Type | Interest & Credit Usage Fee (Per year) |
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| Interest | Fees | Total | |
| One Loan | 15.00% | 7.00% | 22.00% |
| Service Types | Minimum Finance Price (Baht) | ||
| One Loan | 10,000 | ||
| Service Types | Monthly Repayment (Baht) | ||
| One Loan | Depending on the approved credit line. | ||
| Service Types | Installment Repayment Term (month) | ||
| One Loan | 12, 24, 36, 48 and 60 | ||