A money

Convenient anywhere, anytime via A money Mobile Application

A money buddy about money Make every financial service easy

A money Mobile Application is open for customers who are A money cash card members. Customers can use the service to check the remaining balance of the card. Total amount to be paid and various promotions easily, conveniently, quickly

feature:

- Apply for an A money cash card through the mobile application. Just confirm your NDID identity and then immediately submit a request for approval of the cash card. Anytime, anywhere, know the results of your loan application within 30 minutes.

- A money card benefits

- Check card limit, payment amount, and payment due date.

- Withdraw money via bank channels, Prompt pay or counter service

- Payment via Barcode or QR Code

- Other services such as increasing the credit limit, activating the A money card, freezing the card, issuing a new card, changing personal information, applying for e-Statement/e-NCB and applying for Direct Debit, etc.

- Evaluate your credit yourself You can check basic information. Whether you can apply for a loan or not

- Loan calculator

- Check news/promotions

- My Privileges

- Contact us/inquire Through channels that provide customer service center services, E-Mail, Website, Facebook and Chat.

- Apply for Direct Debit

- Frequently asked questions (F.A.Q.)

- Check the A money branch network

Approval limit

Maximum approval is not more than 5 times of income. For customers with an average income of 30,000 baht or more.

And the maximum approval limit is not more than 1.5 times the income only for customers with an average income of less than 30,000 baht.

Interest rate 17% - 25% per year

Minimum installment payment period 12 months - 60 months.

* Consideration of personal loans Subject to the company's terms and conditions.

Example of a table showing debt burden

Loan amount 10,000 baht, interest rate and credit line usage fee 25% per year (reduce principal and interest)

Minimum payment amount: 3% of the outstanding amount but not less than 100 baht.

The customer chooses 12 installment payments.

1st installment payment per installment=1,000.00 Interest=116.43 Principal = 883.57 Outstanding=9,116.43

2nd installment payment per installment=1,000.00 Interest=202.64 Principal = 797.36 Outstanding=8,319.07

3rd installment payment per installment=1,000.00 Interest=178.58 Principal = 821.42 Outstanding=7,497.65

4th installment payment per installment=1,000.00 Interest=167.63 Principal = 832.37 Outstanding=6,665.28

5th installment payment per installment=1,000.00 Interest=144.93 Principal = 855.07 Outstanding=5,810.21

6th installment payment per installment=1,000.00 Interest=132.15 Principal = 867.85 Outstanding=4,942.36

7th installment payment per installment=1,000.00 Interest=113.85 Principal = 886.15 Outstanding=4,056.21

8th installment payment per installment=1,000.00 Interest=85.07 Principal = 914.93 Outstanding=3,141.28

9th installment payment per installment=1,000.00 Interest=76.09 Principal = 923.91 Outstanding=2,217.37

10th installment payment per installment=1,000.00 Interest=54.42 Principal = 945.58 Outstanding=1,271.79

11th installment payment per installment=1,000.00 Interest=36.71 Principal = 963.29 Outstanding=308.50

12th installment payment per installment=324.07 Interest=15.57 Principal = 308.50, outstanding = 0

Total payment=11,324.07 Interest=1,324.07 Principal = 10,000.00

Explain the calculation

Interest and credit line usage fee in each period = outstanding principal at the end of the previous period x interest rate and credit line usage fee per year x number of days in each accounting period ÷ 365 days

Repay the principal in each installment = Monthly payment amount - Other expenses - Interest and credit line usage fee in each installment.

Principal outstanding in each period = Principal outstanding in the previous period - Principal paid in this period.

Note: The table shows debt burden. Prepared in accordance with the loan amount. and the loan period of each customer The installment payment amount will be as per the table above only when the customer has paid in full. and only on time as specified in the contract

If the payment per installment is less than the minimum payment amount Debt collection fees may occur. and causing the principal amount to decrease less than shown in the table and the number of installments to be paid may increase.

The company will use the money received each billing cycle to deduct other expenses, interest, and credit line usage fees first. Then use the remaining money to cut the principal.

AIRA & AIFUL Public Company Limited

90 CW Tower Building

Floor 33,34, room number B 3301-2, B 3401-2

Ratchadaphisek Road, Huai Khwang Subdistrict, Huai Khwang District

Bangkok 10310

Tel. 0-2004-5000