Loan Agreement สินเชื่อพิโก้

Last updated: June 9, 2025

Company Information

Company Name: SAHAPAIBOON TALAAD THAI QUICK CASH PICO LIMITED PARTNERSHIP
Company Address: 32/363 Moo 9 1 Floor KHLONG LUANG PATHUM THANI 12120 Thailand
Registered No: 0133563001226
Email: [email protected]

1. Parties Involved:
This Agreement is between the individual applicant (hereafter "User") and สินเชื่อพิโก้, operated by SAHAPAIBOON TALAAD THAI QUICK CASH PICO LIMITED PARTNERSHIP, governing the use of loan services provided through the mobile app. By submitting an application, the User acknowledges and agrees to all terms described herein.

2. Eligibility Criteria:
To be eligible for a loan, the User must:

• Be a Thai citizen or legal resident with valid identification
• Be at least 20 years old
• Possess a valid and verifiable mobile number and bank account
• Have stable income or repayment capability
• Not be involved in any legal dispute that may affect repayment

สินเชื่อพิโก้ reserves the right to reject or revoke access if eligibility conditions are violated.

3. Loan Disclosure Table:

Item	Description
Credit Limit	THB 5,000 – 150,000
Loan Term	91 – 365 days
Annual Interest Rate	Not more than 24% per year
Repayment Method	Bank transfer, online banking, or scheduled auto-debit
Repayment Due Date	The loan arrival date plus the loan term days are the repayment date

4. Loan Application Process:
The User can apply by filling out a form within the สินเชื่อพิโก้ app. The application will be assessed using automated risk evaluation. Once approved, the loan amount will be disbursed directly to the User’s bank account.

5. Loan Disbursement and Use:
The approved loan must be used for personal, non-commercial purposes only. Users are prohibited from using loan funds for illegal, speculative, or harmful activities.

6. Repayment Terms:
The User agrees to repay the loan on time as stated in the repayment schedule. Late payments will incur penalties. In case of serious default, สินเชื่อพิโก้ reserves the right to report the case to credit bureaus and/or engage authorized collection services.

7. Fees and Charges:
No hidden fees. All fees including interest, service charges, and penalties are disclosed prior to confirmation. Any changes will require user re-consent.

8. Responsibilities of the User:
The User agrees to:

• Provide true and updated information
• Repay the loan according to the schedule
• Notify สินเชื่อพิโก้ in case of financial hardship or inability to repay

Misrepresentation or misuse of funds may result in legal action.

9. Data Privacy & Security:
สินเชื่อพิโก้ is committed to protecting your personal data in accordance with applicable Thai privacy regulations. Data is encrypted and securely stored. Refer to our Privacy Policy for full details.

10. Dispute Resolution:
Any disputes arising from this Agreement will be governed by the laws of the Kingdom of Thailand. Efforts will first be made to resolve via customer support before legal steps are taken.

11. Termination Clause:
สินเชื่อพิโก้ reserves the right to suspend or terminate access to services at its sole discretion if the User is found in violation of terms or fraudulent behavior.

12. Contact Us
If you have any questions about this Loan Agreement, please contact us at: [email protected]