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"Tidjai" is the new and improved app from Ngern Tid Lor, combining loan services, car insurance, and frequently used financial services into one app. It makes managing your important matters more convenient, easier, and faster than ever before.

Manage your loans yourself in the app:

- Calculate your loan amount for easier initial planning.

- Check your outstanding balance and payment history in real-time.

- Pay bills anytime, anywhere, without visiting a branch or waiting for business days.

- Receive reminders before your due date, ensuring you don't miss a payment.

- Pay on time to reduce interest and pay off your debt faster.

- Conveniently use your Ngern Tid Lor card and related services within the app.

Example of Interest Calculation and Payment Details for Car Title Loans:

- Interest rate: 12-24% per year

- Minimum repayment period: 12-60 months

If you want to borrow 5,000 baht, the interest rate of 24% per year, or equivalent to a fixed interest rate of 1.13% per month, payable over the loan term, is calculated as follows:

- If repaid over 12 months, the total interest payable is 680.96 baht.

- Total cost of the loan: 5,680.96 baht (principal 5,000 + interest 680.96)

- Minimum monthly payment: 473.41 baht

If you want to borrow 100,000 baht, the interest rate of 24% per year, or equivalent to a fixed interest rate of 1.13% per month, payable over the loan term, is calculated as follows:

- If repaid over 60 months, the total interest payable is 73,133.98 baht.

- Total cost of the loan: 173,133.98 baht (principal...) 100,000 + Interest 73,133.98)

- Installment payment of at least 2,876.80 baht per month.

Information on various service fees:

- Interest, penalties, service fees, and any other fees combined shall not exceed 24% per year.

- Fee for transferring loan funds to the account via the MoneyTidlo app: 3 baht per transaction (when calculated together with the interest of each contract, the rate shall not exceed 24% per year).

- Debt collection fees (including VAT) (in case of overdue payments):

- 1 installment payment: 50 baht per debt collection cycle.

- 2 or more installment payments: 100 baht per debt collection cycle.

- Fee for returned checks: 200 baht per instance.

- Stamp duty. Calculated based on actual costs at rates determined by government agencies.

Insurance matters: Check coverage and manage everything in one app.

- Check car insurance premiums instantly.

- 0% installment payments up to 10 months for participating plans.

- Easily view your policy, check expiration dates, and review coverage.

- Conveniently renew your car insurance and compulsory third-party liability insurance via the app for continuous coverage.

- Pay insurance premiums via the app 24/7.

- Easily find nearby garages or hospitals.

- Contact your insurance company or process claims more conveniently.

Services on the app that make life easier:

- Enjoy Affiliate: Invite friends to sign up and earn real money. The more you share, the more you earn.

- Check your horoscope.

- Check air quality levels.

- Check lottery results.

- Receive important notifications so you don't miss anything you need to do.

Tidjai by Ngern Tid Lor

Combines loans, car insurance, and affiliate marketing in one app.

Download it and you'll love it!

Privacy Policy

The company will collect, use, or disclose your personal information based on legal requirements or where consent is required for certain activities related to the collection, use, or disclosure of your personal information. The company will seek your consent for the aforementioned activities.

Reference: https://www.tidlor.com/th/policy/privacy/customer

Borrow only what you need and can afford to repay. Interest rate 12-24% per annum (as of April 18, 2025).

More information:

Supports Android 10 and above

Website: https://www.tidlor.com

LINE: @Tidlor

Facebook: เงินติดล้อ

and at Tidlor branches nationwide.

Non-life insurance license number W00015/2556

and life insurance license number Ch00008/2562