SmileLoan-สินเชื่อที่สะดวก

SmileLoan — Reliable Personal Loan Service for Thais

SmileLoan is a personal loan app designed for Thai users, aiming to help you manage your temporary financial needs, whether it's daily expenses, emergencies, or planned spending. SmileLoan provides safe, fast, and transparent financial services to make your borrowing convenient and worry-free.

⭐ Why Choose SmileLoan?

✅ 100% Online Application, Fast Cash

Simple steps, no need to visit a branch. Fast approval and immediate transfer of funds to your bank account after approval.

✅ Intelligent Risk Assessment System

Uses intelligent credit analysis and risk assessment technology to increase approval chances and match the appropriate loan plan.

✅ Flexible Loan Amount and Repayment Period

Various loan amount and repayment period options to meet different user needs.

✅ Transparent Fees, No Hidden Costs

All fees are shown before confirmation. No hidden fees or additional charges.

✅ Data Protection and Privacy

Complies with Thailand's Personal Data Protection Act (PDPA) and uses encryption technology to maintain data security.

🧩 Applicant Eligibility

Applicants must meet the following criteria:

Thai nationality with a valid ID card.

Ages 18–60.

Verifiable regular income.

Use the phone number registered under the applicant's name.

💰 Loan Details

Loan Amount:

฿2,000 – ฿50,000

Repayment Period:

120 – 180 days

Annual Percentage Rate (APR):

Not exceeding 14.6% per annum (approximately 0.04% per day)

No hidden fees

Lender: MONEYBAY COMPANY LIMITED

Partner Website: https://www.moneybay.online

SmileLoan is technologically supported by Refined AI Company Limited. All loans on the platform are processed by MONEYBAY COMPANY LIMITED, a licensed Pico-Finance lending service provider from the Ministry of Finance of Thailand and under the supervision of the relevant financial regulatory authority.

📊 Calculation Example

If you choose to borrow:

Loan Amount: ฿10,000

Duration: 120 days

Annual Interest Rate: 14.6%

Interest Calculation:

Interest = 10,000 × 120 × 14.6% ÷ 365 = 480 THB

Total Payment = 10,000 + 480 = 10,480 THB

Users can transparently check the total payment amount before confirming.

📩 Contact Us

If you have any questions or encounter any problems, you can contact us at:

Email: company@refinedai-limited.com

Business Hours: Every day 09:00 – 18:00

Our professional team is ready to assist you.

🔐 Data Security Commitment

SmileLoan strictly complies with Thailand's PDPA law. We guarantee that:

We only collect data necessary for providing loan services.

We use encryption to protect data at every step.

We do not disclose or share data with third parties without permission.

The purpose of requesting various permissions is clearly stated in the app.

Users can request to correct or delete their data.

We are committed to providing you with a safe, transparent, and reliable financial experience.