เงินอุ่นใจ-เครดิตดี เชื่อถือได

About This App
We are under the strict supervision of the Fiscal Policy and Planning Office (FPO), Ministry of Finance of Thailand, and operate under the license of SMART PICO Co., Ltd., a licensed microfinance business holder. PICO License Number: 1203/2569.
SMART PICO Co., Ltd. is the provider of “Money with Peace of Mind” – fast, secure, and reliable personal loans for users in Thailand. We help you easily manage your essential daily expenses and emergency costs. No complicated procedures, no need to visit a bank, no guarantor, and no collateral required.

Main Features of the App
• High Loan Limit: Users can apply for loans up to 50,000 baht. Your limit will automatically increase with a good repayment history.
• Easy Application Process: 100% online application. Simply fill in basic personal information and upload your Thai ID card. Takes only 3 minutes. No documents required.
• Fast Transfer: Once your loan is approved, the money will be transferred directly to your bank account within 3 to 5 minutes.

Example
All loan services comply with the regulations of the Fiscal Policy and Planning Office, Ministry of Finance. Strictly speaking, clear and standardized loan terms apply to all users:
• Annual Interest Rate (APR): 10% – 32.85%
• Repayment Period: 91 days – 180 days

Loan Example
• If you borrow 30,000 baht for 91 days (3 months) with an annual interest rate (APR) of 32.85% and no service fees:
• Principal received: 30,000 baht
• Total interest: 2,457 baht
• Total payment: 32,457 baht
• Monthly payment: 10,819 baht
Note: Actual interest rates and loan terms depend on your personal loan assessment.

How to Apply for a Loan
1. Download and register for the Money Comfort app using your phone number.
2. Complete your personal information and upload your Thai national ID card.
3. Select your desired loan amount and repayment period.
4. Submit your application and receive the funds directly into your bank account after approval.

Applicant Requirements:
• Must be 20 years of age or older and a Thai national.
• Must possess a valid Thai national identification card and an active bank account in Thailand.
• Must have a stable source of personal income and a good credit history.

Security and Privacy Protection
We place great importance on the security of our users' data and the protection of their privacy. We use bank-grade encryption technology to protect all your personal and financial information.
We only collect information necessary for identity verification and credit assessment. Your personal information will not be sold or shared with third parties without your consent.
Our services operate in full compliance with the terms and conditions stipulated by the Ministry of Finance, Fiscal Policy Office (FPO), as the regulatory body for business operations.

Customer Service
Licensed Service Provider: Smart Pico Co., Ltd.
📧 Email: [email protected]
📞 Phone: +66 939190761
🌐 Website: https://www.smartpicos.com
📍 Address: 252 Moo 12, Ban Mai Subdistrict, Mueang District, Nakhon Ratchasima Province, Thailand
⏰ Business Hours: Monday – Friday, 9:00 AM – 5:00 PM