About คล่องมือ
Klong Mue helps you have flexible and efficient working capital to meet all your spending needs. No more worries about emergency expenses, because we understand that life often presents urgent situations. Therefore, we are committed to creating fast, easy, and transparent services to help you regain financial liquidity quickly. Importantly, Klong Mue operates under the supervision of the Ministry of Finance, so you can be confident in every step of the process.
Klong Mue holds a provincial-level license to operate as a pico-finance business under the legal supervision of the Ministry of Finance, and we highly value the protection of personal data in accordance with the PDPA.
Why choose "Klong Mue"?
- Transparent, clear, and fair: We inform you of all costs from the first day of application. There are no hidden fees, no application fees, no account opening fees, or any processing fees whatsoever.
- Early repayment without penalty: If you have improved liquidity and want to pay off the balance early, you can do so immediately without any fees. Furthermore, interest is only calculated for the actual number of days used.
Applying for a loan with "Klong Mue" is easy in just 4 steps:
1. Download the Klong Mue application from the Google Play Store.
2. Register with your mobile phone number and verify your identity with an OTP code.
3. Fill in the information and submit your loan application.
4. After approval... The system will transfer the money to your bank account immediately.
Loan Details and Conditions:
- Loan Amount: Up to 50,000 THB (subject to approval)
- Repayment Period: 3 – 6 months (91 – 180 days)
- Annual Percentage Rate (APR): 10% – 35.8% per annum (Interest calculated on a reducing balance basis as legally required)
Example of Reducing Balance Repayment Calculation:
- Assuming you are approved for a loan of 30,000 THB, payable in 6 installments of 30 days each (total loan period of 180 days)
- Interest rate of 0.05% per day (equivalent to an interest rate of 18.25% per annum) or 1.5% per installment
- Monthly Payment (Fixed): 5,265.76 THB
- Installment 1 (Day 30): Interest 450.00 THB | Principal Repayment 4,815.76 THB | Remaining Principal 25,184.24 THB Baht
- Installment 2 (Day 60): Interest 377.76 Baht | Principal repayment 4,888.00 Baht | Remaining principal 20,296.24 Baht
- Installment 3 (Day 90): Interest 304.44 Baht | Principal repayment 4,961.32 Baht | Remaining principal 15,334.92 Baht
- Installment 4 (Day 120): Interest 230.02 Baht | Principal repayment 5,035.74 Baht | Remaining principal 10,299.18 Baht
- Installment 5 (Day 150): Interest 154.49 Baht | Principal repayment 5,111.27 Baht | Remaining principal 5,187.91 Baht
- Installment 6 (Day 180): Interest 77.85 Baht | Principal repayment 5,187.91 THB | Principal Balance: 0.00 THB
Summary of the Total Amount over the Contract Term
- Principal Received: 30,000 THB
- Total Interest: 1,594.56 THB
- Total Repayment Amount: 31,594.56 THB (Derived from installments of 5,265.76 THB × 6 installments)
Additional Interest Calculation Conditions
- Interest is calculated daily: [Remaining Principal × Annual Interest Rate 18.25% ÷ 365 days × Number of days in that installment]
- Transparent, No Hidden Fees: Each installment payment will only deduct principal and interest. No additional charges will be applied beyond those stated in the application.
*Note: The above example is only a preliminary calculation. The actual terms and interest rates will depend on the approved contract.
Security Precautions
1. Repayments must be made only through the application: Please repayments only through the company bank account specified in the system. Do not transfer money to any personal account. To prevent fraud and erroneous transactions:
2. Observe the "Klongmue" symbol: Please carefully check the logo and application name before accessing the application to avoid and prevent problems from counterfeit or fake applications.
Contact Us
- Loan Provider: Rainbow Pico Company Limited
- Office Location: 319 Chamchuri Square Building, 24th Floor, Room 24121, Phaya Thai Road, Pathum Wan Subdistrict, Pathum Wan District, Bangkok
- License Number: 1141/2569
- Application Developer: Rainbow Pico Company Limited
- Official Website: https://www.rainbowpico.co.th
- LINE ID: @klongmue
- Customer Service Email: [email protected]
- Online Customer Service: You can contact us immediately through the "Contact Us" menu within the application.
