ATS PICO

ATS PICO is a provincial-level microfinance loan regulated by the Ministry of Finance (Pico Finance)

Eligibility Criteria

• Age: 20 – 65 years

• Must have a household registration or reside or work in the same province as an ATS PICO office

• Must have a regular income according to the company’s requirements

Loan Amount

• Maximum loan amount: 100,000 THB

Interest Rate

• Loan amount not exceeding 50,000 THB: Interest rate not more than 36% per year

• Loan amount exceeding 50,000 THB: Interest rate not more than 28% per year

Key Features

• Easy and fast application process, ideal for those who need quick cash for personal expenses

• Support customers with diverse income sources, such as salaried employees, self-employed individuals

• Apply online or at ATS PICO branches

• No transaction fees

• No collateral or guarantor required for unsecured loans

• Guaranteed legal compliance, certified by the Ministry of Finance

Additional Conditions

• Must provide proof of income, such as a salary slip, bank statement

• Maximum installment period is up to 24 months (depending on loan amount and approval conditions)

• Minimum monthly installment is 300 THB

• Choose your preferred payment date, either the 2nd or the 17th of each month.

Example of Loan Interest Calculation

Assuming a loan transaction is made on February 1, 2026, the customer signs a loan agreement for 10,000 baht.

Repayment over 3 months, interest rate 36% per annum.

Payment date chosen: 2nd of the month.

First Installment: 3,535.30 baht, Interest Fee: 190.68 baht, Reduced Principal: 3,344.62 baht.

Second Installment: 3,535.30 baht, Interest Fee: 135.66 baht, Reduced Principal: 3,399.62 baht.

Final Installment: 3,319.96 baht, Interest Fee: 64.22 baht, Reduced Principal: 3,255.74 baht.

Total Interest payable: 390.57 baht.