SmartCash-สินเชื่อดีดีเพื่อคุณ

SmartCash is an internationally standardized online lending platform, professionally supporting all your financial needs. We operate legally and hold a provincial-level microfinance license under the supervision of the Ministry of Finance, ensuring safety, transparency, and efficiency.

SmartCash fairly assesses loan applications based on applicant qualifications, credit history, and actual income to provide the most suitable loan amount and repayment period. Applying is easy, requiring no collateral or guarantor; only your national ID card is needed. The more complete your information, the higher your approval chances!

Key Features of SmartCash:

1. High and Flexible Loan Amounts: A variety of products are available, allowing you to choose the loan amount and repayment period that best suits your needs.

2. Easy Application: Simple application process; just fill out basic information via the app (information is used only for loan assessment).

3. Fast Approval: The loan approval system is fast, with results within minutes.

4. Comfortable Repayment: Flexible installment payments help ease your financial burden.

5. Fair Interest: Interest is calculated using the reducing balance method (Effective Rate), based on the actual days used.

6. Good Credit Benefits: Timely repayments or early settlement increase your chances of receiving a higher loan amount in the next cycle.

Loan Details and Conditions:

- Loan Amount: Up to 50,000 THB (Based on individual repayment ability)

- Repayment Period: Flexible repayment options of 90-180 days

- Interest Rate: 12% - 35.80% per annum, calculated on a reducing balance basis, within the legal limit.

- Eligibility: Thai citizens aged 20 years and older with stable employment or income.

Applicant Requirements:

1. Thai nationality with a valid Thai national ID card.

2. Age 20 years or older.

3. Stable employment and income.

4. Own bank account.

Easy Loan Application in 5 Steps:

1. Download the SmartCash app and register with your phone number.

2. Fill in personal and occupational information.

3. Select your desired loan amount and repayment period.

4. Wait for approval.

5. Upon approval, receive the funds directly into your account.

Example of Loan Repayment (Reducing Balance Loan)

Loan amount: 24,000 baht. Repayment period: 120 days. Interest rate: 18.25% per annum.

- Installment 1 (Day 40 of the contract)

- Amount due: 8,322.11 baht

- (Breaking down: Principal 7,842.11 baht | Interest 480 baht)

- Remaining principal carried forward: 16,157.89 baht

- Installment 2 (Day 80 of the contract)

- Amount due: 8,322.11 baht

- (Breaking down: Principal 7,998.95 baht | Interest 323.16 baht)

- Remaining principal carried forward: 7,998.95 baht

- Final Installment (Day 120 of the contract)

- Amount due: 8,322.11 baht

- (Breaking down: Principal 8,158.93 baht | ...) Interest (163.18 THB)

- Principal balance closed: 0.00 THB

Total amount over the contract:

- Total principal: 24,000 THB

- Total interest: 966.33 THB

- Total repayment amount: 24,966.33 THB

(Note: The above figures are examples showing the calculation of interest using the reducing balance method. Actual repayment amounts may vary slightly depending on the number of days used.)

Security and Privacy: We prioritize your data.

- International Standards: All personal data is protected by advanced encryption.

- Only Collected What is Necessary: ​​We collect data only for credit assessment and legal compliance.

- Non-Disclosure: Your data will not be shared with any third party without your explicit consent.

Contact Us: If you encounter any problems or need further information, please contact us. Contact us at:

- Company Name: NEXTBIT TECHNOLOGY CO., LTD.

- Address: 502/40 Moo 4, Khlong Hae Subdistrict, Hat Yai District, Songkhla Province 90110, Thailand

- Email: customerservice@nextbit.co.th

- LINE ID: @bestmoney

- Customer Service: "Contact Us" menu in the application.