เงินพูนสุข

Ngern Poonsuk – Online Cash Loan App
Ngern Poonsuk is an online cash loan application operated by Prospera Nexus Co., Ltd. Users can apply for loans through the application and check details such as loan amount, interest rate, loan term, and repayment terms before making a decision.

Important Loan Information
• Loan Amount: 300–50,000 Baht
• Loan Term: 91–365 days
• Maximum Annual Percentage Rate: 14%
• Service Fee: 0 Baht
• Management Fee: 0 Baht
• Other Loan Application Fees: 0 Baht
• Repayment Method: Single payment upon maturity or installment payments
The Annual Percentage Rate (APR) of Ngern Poonsuk loans does not exceed 14%. The actual rate received by the borrower may vary depending on the company's loan assessment.
Loan Amount | Loan Term And the repayment terms are subject to the company's assessment.
The statement "This loan provider is not under the supervision of the BoT/FPO" is included.

Example of loan calculation:
Example of a single-payment loan using the Maximum Annual Percentage Rate (APR) of 14%
• Loan amount: 10,000 baht
• Loan term: 180 days
• Annual Percentage Rate (APR): 14%
• Total interest: 690 baht
• Additional fees: 0 baht
• Total repayment amount: 10,690 baht
Interest calculation method:
10,000 × 14% × 180 ÷ 365 = 690.4109589 baht
Interest is rounded down to the nearest whole baht. By rounding off all decimal places, the interest payable is 690 baht.
How to calculate the total repayment amount:
10,000 + 690 + 0 = 10,690 baht
This example is calculated based on a fixed annual interest rate for a one-time repayment loan with no additional fees.
For installment loans, the amount payable in each installment will be according to the repayment plan shown before confirming the loan.

Loan Applicant Requirements:
Must be at least 20 years old.
Must have a valid Thai national ID card.
Must have a working Thai mobile phone number.
Must have a Thai bank account in their own name.
Must meet the company's loan assessment criteria.

Loan Application Process:
Register or log in with your mobile phone number.
Verify your identity with your national ID card and facial verification.
Fill in personal information and necessary details for the loan application.
Add your own bank account for receiving the loan.
The company will assess your qualifications and ability to repay the debt.
Select the offered loan plan and submit the loan application.
Once the application is approved and the repayment conditions are met, the loan will be transferred to the designated bank account.

Key Features of Poonsuk Money Service:
• Apply for a loan online via the application.
• Loan amount and term determined by loan assessment.
• Details of interest rates and repayment plans are displayed before loan confirmation.
• Check loan history, outstanding balance, and repayment due date via the application.
• Prioritization of personal data protection for users.

Loan Approval Process:
Loan approval, loan amount, and terms depend on the company's assessment. Submitting a loan application does not guarantee approval.

Important Notes Regarding Repayment:
Borrowers should review the payment amount and due date as per the loan agreement.
Late payments may incur default interest as per the contract terms and applicable laws, and may affect the borrower's credit history if reported to credit reporting authorities as required.

Personal Data Protection:
The company prioritizes the protection of personal data and collects, uses, and discloses information in accordance with its privacy policy.
Users can find details regarding personal data management in Poonsuk Money's privacy policy.

Contact Customer Service
• Customer service via the MoneyPoonSuk app
• Email: [email protected]
• Phone: 093-737-3482

Loan Provider
Prospera Nexus Co., Ltd.