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Smart Loan is a digital platform for applying for and managing loans, in partnership with Wattana Family Leasing Limited Partnership, a regulated provincial-level microfinance business (Pico Finance) with license number 218/2560. The partner is responsible for loan application review, approval, setting terms and conditions based on assessment, contract drafting, and loan delivery.

We prioritize accuracy, transparency, and personal data protection. We disclose all relevant terms and conditions for applicants to review before signing the contract and do not support unfair debt collection practices or charging interest and fees exceeding those stipulated in the contract and applicable laws.

Submitting a loan application does not guarantee approval. Approval, loan amount, interest rate, and loan terms depend on the applicant's information, ability to repay, and the assessment based on the partner's criteria.

Applicants can fill out information, verify their identity, submit loan applications, check terms and conditions, and manage repayments seamlessly through the app.

Loan Details
• Loan Amount: 5,000–50,000 THB
• Loan Term: 91–270 days
• Interest Rate: Fixed interest rate up to 24% per annum
• Interest Calculation Method: Principal × Annual Interest Rate ÷ 365 × Number of Days Used
• Repayment: Principal and interest repaid in a single payment upon maturity
• Other Fees: None

Loan Calculation Example
This example is for illustrative purposes only:
• Principal: 10,000 THB
• Loan Term: 180 days
• Fixed Interest Rate: 24% per annum
• Interest: 10,000 × 24% ÷ 365 × 180 = 1,183.56 THB
• Other Fees: 0 THB
• Total Repayment Upon Maturity: 11,183.56 THB

Actual loan amount, term, interest rate, and repayment amount may vary for each applicant based on assessment and terms and conditions as stated in the loan agreement. Please review all details before confirming the contract.

Applicant Requirements:
• Thai nationality
• Aged between 20-60 years old
• Stable income
• Thai national ID card, mobile phone number, and bank account

Application Process:
1. Register an account in the app.
2. Fill in required information.
3. Verify identity with national ID card information and phone number.
4. Submit loan application and request to the loan partner for assessment.
5. Select loan amount and repayment period, then confirm the loan request.
6. Wait for the partner to review and consider the request.
7. If approved and the contract is confirmed with the partner, receive funds via e-wallet or bank account.

Receiving and Repayment:
Once the loan is approved and the applicant confirms the contract, the loan partner will disburse the loan according to the terms of the contract. Borrowers can choose to receive funds via e-wallet or bank account. Upon maturity, borrowers must repay the principal and interest in a single payment via e-wallet or bank account through the channels supported by the app.

Borrow only what you need and can afford to repay.
Loans are financial obligations. Applicants should consider their income, expenses, and ability to repay before deciding to borrow. Please carefully read the interest rate, repayment amount, due date, and contract terms, and repay on time. Contact Information
Address: 9/179 Moo 4, Bang Khun Kong Subdistrict, Bang Kruai District, Nonthaburi 11130
Email: [email protected]