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Somjai: Loans for self-employment, small businesses, no slip required.
Tired of searching for a loan that understands freelancers like you? Somchai can help you!

Somjai is an application that will recommend loans that are suitable for you without using a pay slip. We select loan service providers that are legal and certified by the Bank of Thailand. Be assured of safety No worries about being deceived.

I'm happy to help you:

Find the right loan: Whether you're an online seller, a freelancer, or any other independent profession. Somjai has loans that meet your needs.
Easy, convenient, fast: Easy to use, no hassle, saves time.
Safe and confident: All loan service providers are certified by the Bank of Thailand. It's easy to check. with the number provided in the app
Find the right loan simply by entering your salary: the system will match the loan that you have the easiest chance of getting through. Save time, no need to waste time applying to many places.
No need to worry about salary slips. Let your heart help you!

Maximum interest not exceeding (Max APR) 33% per year. Interest calculated as much as money is withdrawn to use. Reduce principal amount. Reduce interest.
Minimum and maximum repayment period 180 - 360 days.
You can choose to repay with peace of mind in 2 ways. The principal has been paid back. Get the credit limit back to use immediately, including:
- Option 1: Choose to pay as you wish. Pay the principal as much as you can afford.
- Type 2: You can choose to pay a minimum amount of just interest. Don't be afraid of losing credit.

Example of calculating interest and loan fees
If the loan is approved and the contract is signed on 8 August 2021.
- Credit limit 10,000 baht
- The amount you will receive is 10,000 baht, no fees.
- Interest 33% per year
- Installment period 15 months.
- Pay every 28th of the month.

so
- 28 Aug. '21 payment amount=816.0 baht (principal=635.2 baht, accumulated interest for 20 days=10,000.00*33%*20/365=180.8 baht) remaining principal remaining=9364.82 baht.
- 28 Sep. '21 payment amount=816.0 baht (principal=553.5 baht, accumulated interest for 31 days=9,364.82*33%*31/365=262.5 baht) remaining outstanding principal=8811.29 baht
- 28 Oct. '21 payment amount=816.0 baht (principal=577.0 baht, accumulated interest for 30 days=8,811.29*33%*30/365=239.0 baht) remaining outstanding principal=8234.28 baht.
- 28 Nov. '21 payment amount=816.0 baht (principal=585.2 baht, accumulated interest for 31 days=8,234.28*33%*31/365=230.8 baht) remaining principal remaining=7649.07 baht
- 28 Dec. '21 payment amount = 816.0 baht (principal = 608.5 baht, accumulated interest for 30 days = 7,649.07*33% *30/365 = 207.5 baht) remaining principal amount = 7040.54 baht.
- 28 Jan. 2022 Payment amount = 816.0 baht (Principal = 618.7 baht, accumulated interest for 31 days = 7,040.54*33% *31/365 = 197.3 baht) Remaining principal outstanding = 6421.87 baht.
- 28 Feb. 2022 payment amount=816.0 baht (principal=636.0 baht, accumulated interest for 31 days=6,421.87*33%*31/365=180.0 baht) remaining outstanding principal=5785.85 baht
- 28 March 2022 Payment amount = 816.0 baht (principal = 669.5 baht, accumulated interest for 28 days = 5,785.85*33% *28/365 = 146.5 baht) remaining principal outstanding = 5116.32 baht
- 28 Apr. 2022 payment amount=816.0 baht (principal=672.6 baht, accumulated interest for 31 days=5,116.32*33%*31/365=143.4 baht) remaining principal remaining=4443.72 baht
- 28 May 2022 payment amount = 816.0 baht (principal = 695.5 baht, accumulated interest for 30 days = 4,443.72*33% *30/365 = 120.5 baht) remaining principal outstanding = 3748.25 baht
- 28 June 2022 Payment amount = 816.0 baht (principal = 710.9 baht, accumulated interest for 31 days = 3,748.25*33% *31/365 = 105.1 baht) remaining principal outstanding = 3037.30 baht
- 28 July 2022 Payment amount = 816.0 baht (principal = 733.6 baht, accumulated interest for 30 days = 3,037.30*33%*30/365 = 82.4 baht) remaining principal outstanding = 2303.68 baht.
- 28 Aug. '22 payment amount=816.0 baht (principal=751.4 baht, accumulated interest for 31 days=2,303.68*33%*31/365=64.6 baht) remaining principal remaining=1552.25 baht
- 28 Sep. 2022 payment amount = 816.0 baht (principal = 772.5 baht, accumulated interest for 31 days = 1,552.25*33%*31/365 = 43.5 baht) remaining principal outstanding = 779.76 baht
- 28 Oct. 2022 payment amount=800.9 baht (principal=779.8 baht, accumulated interest for 30 days=779.76*33%*30/365=21.1 baht) remaining principal remaining=0.00 baht.

Therefore, the total payment amount of 12,224.91 baht is interest of 2,224.91 baht from the principal of 10,000 baht with an interest rate (APR) of 33% per year.

*The example is just a preliminary calculation. The numbers may change depending on the criteria set by the company.

Disclosure
Address: 999 Soi Srinakarin 90, Nong Bon Subdistrict, Prawet District, Bangkok 10251

Disclaimer:
This application is not an application for providing direct loan services. We screen loan service providers certified by the Bank of Thailand. and recommended to users only without providing any lending services at all

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