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Easy Borrowing – Reliable Online Loan Service

“Easy Borrowing” is a provincial-level online microfinance application offering repayment periods of 91–365 days and serving users in authorized service areas as per the business license.

This application provides provincial-level microfinance (Pico Finance) services under license number 1155/2569 issued by the Ministry of Finance and under the supervision of the Fiscal Policy Office (FPO). Loan approval and disbursement time depend on the assessment results and the banking system. Interest rates, service fees, and other related charges will be displayed to applicants before signing the contract and specified in the product contract.

🚀 Why choose our service?

✅ Safe and Regulated: Operating under a valid license, complying with the Personal Data Protection Act (PDPA) and the Debt Collection Act.

✅ Fair Interest Rates: Calculated using the reducing balance method (Effective Rate) and all fees are disclosed in the contract.

✅ Secure and Private: Utilizing high-standard security systems and respecting user privacy.

✅ Flexible: Early repayment is possible without penalty. Interest is calculated based on the actual principal amount.

📋 Loan Product Details

• Loan Amount: 2,000–50,000 THB (Adjusted based on credit history and Pico Finance loan criteria)

• Repayment Period: 91–365 days

• Interest Rate: 10.00%–35.80% per annum

• Maximum Interest Rate (APR): 35.80% per annum (Effective Rate)

🧮 Repayment Calculation Example

Assumption: Loan amount 24,000 THB | Period 120 days (4 installments / 30 days per installment) | Interest rate 18.25% per annum (0.05% per day)

• Installment 1 (Day 30)

Payment amount 6,228.66 THB (Principal 5,868.66 | Interest 360.00)

Remaining principal 18,131.34 THB

• Installment 2 (Day 2) 60)

Amount paid: 6,228.66 THB (Principal 5,956.69 | Interest 271.97)

Remaining principal: 12,174.65 THB

• Installment 3 (Day 90)

Amount paid: 6,228.66 THB (Principal 6,046.04 | Interest 182.62)

Remaining principal: 6,128.61 THB

• Final installment (Day 120)

Amount paid: 6,220.54 THB (Principal 6,128.61 | Interest 91.93)

Remaining principal: 0.00 THB

Summary of total amount over the contract term:

• Total principal: 24,000.00 THB

• Total interest: 906.52 THB (360.00 + 271.97 + 182.62 + 91.93)

• Total payment: 24,906.52 THB

Note: The above figures are just examples calculated using the reducing balance method. Actual payment amounts may vary slightly depending on the number of days and the actual transaction date.

Summary of the total amount over the contract term:

• Total principal: 24,000.00 THB

• Total interest: 966.34 THB (480.00 + 323.16 + 163.18)

• Total payment: 24,966.34 THB

Note: The above figures are just examples calculated using the reducing balance method. The actual payment amount may vary slightly depending on the actual transaction date.

📲 How to Use

1. Download the "Easy Loan" app from Google Play.

2. Verify your identity with your phone number and national ID card.

3. Wait for the approval process and receive the funds transferred to your account after approval.

4. Repay on time to maintain your credit history.

📞 Contact Us

• Service Provider: PICO ALLY COMPANY LIMITED

• Location: 622 Emporium Tower, 10/1, 8th Floor Sukhumvit Road, Khlong Tan, Khlong Toei, Bangkok, Thailand

• Phone: 076639088

• Email: Customerhelp@picoally.com

• Website: https://www.picoally.com

• Privacy Policy: https://www.picoallly.com/privacypolicy.html

• Online Customer Service: “Customer Service Center” menu in the app

Borrow only what you need and can afford to repay. Please carefully assess your repayment ability.

📋 License and Ownership Information

• Application Developer, License Holder And the loan provider: Pico Ally Company Limited

• Company Registration Number: 0105568150302

• License Type: Pico Finance

• License Number: 1155/2569