Paypaya: Reliable Loan

PAYPAYA: Your Trusted Nano Finance Loan Solution


About Us:
PAYPAYA is a legal cash loan application provided by Akulaku X Co., Ltd., a member of the SCBX group, and regulated by the Bank of Thailand. PAYPAYA offers safe, legal, and reliable credit services to ensure a smooth borrowing experience while addressing your urgent financial needs.


Why Choose PAYPAYA?
1. No Application Restrictions - Open to all professions and income levels. No salary slips or income proofs required.
2. Convenience - Only a valid Thai national ID card is needed. No additional documents required.
3. Fast Approval - Complete the process via your mobile phone. Approval within 5 minutes, with funds transferred instantly after approval.*
4. Transparency with No Hidden Fees - No interest charged until the credit line is utilized.
5. Flexible Repayment Options - Flexible repayment plans available with no penalties for early repayments.
6. Customer Service - Our customer service team is available on all business days.


*Note: Loan approvals are typically completed within 5 minutes. However, if additional verification is required, the process may take longer.


PAYPAYA provides Nano Finance loans with single disbursement and equal monthly repayment options.


Loan Details:
• Credit Line: Up to 50,000 THB
• Interest Rate: 33% per annum (all fees included)
• Repayment Period: Maximum 12 months
• No Collateral or Guarantor Required
• No Penalties for Early Repayments


Fees and Transparency:
1. Interest Rate: A maximum annual interest rate of 33%, inclusive of all fees.
2. Example: Loan amount: 10,000 THB, Interest rate: 33% per annum；Repayment period: 6 months, calculated based on a 365-day year
• Monthly installment: Approximately 1,828.41 THB
• Total interest: 970.46 THB
• APR: 33% per annum
(This calculation is indicative and subject to change based on specific conditions.)


Eligibility Criteria:
• Age: 20-60 years old
• Thai nationality with a valid Thai ID card


How to Use PAYPAYA:
1. Download and register on the app.
2. Verify your identity using your Thai ID card.
3. Apply for a loan and wait for approval.
4. Choose your desired loan amount and repayment period.
5. Upon approval, the funds will be instantly transferred to your bank account.
6. Make payments as per the agreed repayment plan.


Note: Disbursement is usually immediate upon approval, but occasional delays may occur due to unforeseen circumstances.


*Borrow when necessary and within your means.


PAYPAYA is provided by Akulaku X Co., Ltd., regulated by the Bank of Thailand, and complies with the Personal Data Protection Act (PDPA) B.E. 2562.


Contact Information:
• Website: www.paypaya.com
• LINE: @paypaya
• Customer Service: Tel. 027775999 (Monday - Friday, 9:00 AM - 5:00 PM)
• Customer Service Email: customerservice@paypaya.com
• Privacy Policy: https://loan.paypaya.com/#/register/protocol-viewer?type=default_protocal_2


Akulaku X Co., Ltd.
18 th Floor, Siam Commercial Bank, HQ 9 Ratchadapisek Rd., Jatujak Bangkok 10900 Thailand