Why compare personal loans before applying?
Before deciding to apply for a loan You should study options from several banks. In order to get the interest rate and conditions that are most suitable for you.

What is a personal loan? Who is it suitable for?
This type of loan is suitable for people who need urgent funds without the need for collateral. It also helps relieve the burden of sudden expenses.

Personal loan comparison table 2026
Financial institution | Annual interest | Loan amount | Installment period | Minimum income
CIMB Thai | Starting at 5.55% | 10,000 - 1,500,000 baht | according to conditions | 15,000 baht/month
Thai Credit for Retail | Starting at 8.88% | 30,000 - 2,000,000 baht | according to conditions | 20,000 baht/month
UOB | Starting at 9.99% | 10,000 - 2,000,000 baht | Up to 60 months | 15,000 baht/month
Land and House | Starting at 9.99% | 15,000 - 1,500,000 baht | Up to 60 months | 15,000 baht/month
Kiatnakin Phat | Starting at 9.99% | 20,000 - 1,500,000 baht | Up to 60 months | 20,000 baht/month
Thanachart Thai Soldier | Starting at 15.83% | 15,000 - 2,000,000 baht | Up to 72 months | 20,000 baht/month
Promise | Starting at 15.00% | 5,000 - 300,000 baht | according to conditions | 8,000 baht/month
Kasikorn Line | 18.00 - 25.00% | 7,000 - 800,000 baht | according to conditions | 30,000 baht/month

5 most attractive low-interest personal loans

1. CIMB Thai — Interest starting at 5.55%
- Interest starting at 5.55% — lowest in the compared group
- No need for securities or guarantors
- Apply through online channels.
- Minimum income 15,000 baht/month

2. Thai Credit for Retail — Interest starts at 8.88%.
- Interest starting at 8.88%
- Maximum credit limit 2,000,000 baht
- No guarantee required
- Suitable for those who want a high credit limit but don't want to pay a lot of interest.

3. UOB — Interest starts at 9.99%, installments up to 60 months.
- Interest starting at 9.99%
- Installments for up to 60 months
- Maximum credit limit 2,000,000 baht
- Minimum income only 15,000 baht/month4. Land and Houses — Interest rate 9.99%, easy to access conditions.
- Interest starting at 9.99%
- Installments for up to 60 months
- Maximum loan amount 1,500,000 baht
- Minimum income 15,000 baht/month

5. Kiatnakinphat — Interest rate 9.99%, cutting-edge digital system
- Interest starting at 9.99%
- Installments for up to 60 months
- Focus on digital channels, easy to apply
- Minimum income 20,000 baht/month

How to choose a personal loan for the best value
Considered from many factors as follows:

1. Interest Effective Rate is not just an advertising number.
Advertised interest figures may not reflect the actual cost to be paid. You should look at the Effective Rate interest rate including fees.

2. Loan fees and fines
Check the entrance fee Late payment penalty and early closing costs To calculate the true cost

3. Flexibility of installment period
Choose a repayment period that balances the monthly payments with the total interest.

4. Convenience in applying and paying
Choose a bank that offers convenient online and payment methods, such as through an app or automated bank account.

Documents and qualifications that must be prepared
- ID card
- Salary slips for the past 3-6 months or income certification
- Copy of bank account for the past 3-6 months (statement)
- Credit card invoices or other debts (if any)
- Age 20-60 years
- Have regular income according to the conditions of each bank (Starting from 8,000-30,000 baht)
- Have worked for at least 4-6 months (some banks may be flexible)
- Have a credit score that is not blacklisted or has a bad history.

Precautions before applying for a loan
- Don't borrow more than necessary — the more you borrow, the higher the total interest. Even though the annual rate is the same
- Do not use personal loans to invest in risky assets such as stocks, crypto or gambling — returns are uncertain. But the debt must be paid for sure.
- Read the conditions for closing accounts early — some banks have fees for closing debt first.
- Make sure the lender has a license from the Bank of Thailand — don't trust informal loan apps that advertise too much.
- If you already have several debts Consider consolidating debt before borrowing more.Conclusion — Choose the right loan, not just the cheap one.
Several options should be compared. Consider both interest, fees, and ability to repay. Before deciding to apply for a loan