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Features & Benefits

Special Exemptions Repayment Options Multiple Payment Channels
Special Exemptions
Repayment Options
Multiple Payment Channels

Eligibility & Requirements

Eligibility & Requirements

Occupation

A salaried employee, a government official, or a state-enterprise official

Nationality

Thai

Age

Aged between 21-60 years  

Monthly Income  

Minimum Fixed Income 20,000 THB

Years of service/operation

6 months or more

Document Requirements 

 
  • A copy of the national identity card
  • A document showing the applicant's income
  • An original salary payment slip dated no more than 2 months from the current date, or an original salary certificate dated no more than 2 months, along with a bank statement dated no more than 2 months.

" Apply once and get ready to access our services anywhere and anytime for unexpected situations with seamless CIMB THAI application!"

Special benefit

Special Interest for Salaried Employee

Fixed Income (THB)

Service Channel

  5.55% per year (CLR-14.45%) for the first 5  cycles

 The 6th  cycle will be adjusted to 18% per year (CLR-2%).

50,000

Mobile application or online channel or branch

          7.3% per year (CLR-12.7%) for the first 12 cycles. The 13th period will be adjusted to 14.60% per year (CLR-5.4%)

30,000

9% per year (CLR-11%) for the first 9 cycles.

The 10th  cycle will be adjusted to 24% per year (CLR+4%).

30,000

21% (CLR+1%) - 25% per year (CLR+5%)

20,000

Branch

Special Interest for Salaried Employee

Monthly Income (THB)

Service Channel

    11.88% per year (CLR-8.12%) for the first 24  cycles. The 25th cycle will be adjusted to 15% per year (CLR- 5%).

 

30,000

Mobile application or online channel or branch

Special Interest Rate from the Date of Approval

 
  • Customers who apply for and receive loan approval must register the CIMB THAI application to be ready to transfer funds from the extra cash through the CIMB THAI application (compatible with Android version 9 and higher or iOS version 12 and higher).
  • The Consumer Loan Rate (CLR) as of 4 October 2023, is 20% per year. This is subject to change as a floating interest rate. The Bank will inform you of any changes through announcements at branch offices and on the website.
  • If monthly salaried employees earn less than THB 30,000, they will receive a maximum credit limit not exceeding 1.5 times their average monthly income. The customer shall receive personal loans from no more than three regulated service providers or peer-to-peer lending platforms. The customer must provide details of any personal loans requested from regulated financial institutions, including banks and non-bank entities.
  • If the repayment does not meet the conditions set by the Bank (i.e., payment is late or not made on the due date), the Bank will charge a default interest rate, in addition to the maximum contractual interest rate, up to 3% per year on the whole overdue principal outstanding until the repayment is made according to the conditions specified by the Bank. Thereafter, the interest rate will be adjusted to the contractual rate. However, the total amount of interest, fines, service fees, late fees, or any fees shall not exceed 25% per year.
  • Consideration for approval or disapproval of Extra Cash, including interest, service fees, and default charges, shall be in accordance with the criteria and conditions set by the Bank. More product details are available in the fact sheet on our website, www.cimbthai.com, or by contacting any bank branch or the CIMB Thai Care Center at Tel. 02 626 7777.
  • The Bank reserves the right to change or cancel the details and conditions of this campaign, whether in whole or in part. If the customer loses benefits or incurs additional burdens, the Bank will notify the customer at least 30 days in advance before taking effect, as specified by the Bank of Thailand. In the case of a dispute, the Bank’s discretion shall be final.

 

Important Note: 

  • Request the credit amount based on necessity and affordability.
  • The Consumer Loan Rate (CLR) as of 4 October 2023 is 20% per year. This floating interest rate is subject to change. The Bank will inform customers in advance via announcements at branch offices and on its website. Interest rates range from 7.3% to 25% per year.

 

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