You can apply at any SCB branch nationwide. You must be between 20-60 years old to be eligible.

Loans for new cars

Applicant’s qualifications

• Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

• Applicants must be Thai nationals residing in Thailand.

• In the event that a guarantor is required, they must be a Thai national residing in Thailand.

Supporting documents

• A copy of ID card.

• A copy of house registration.

• A copy of deposit account statement for the previous 6 months.

• The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

Loans for used cars

Applicant’s qualifications

• Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

• Applicants must be Thai nationals residing in Thailand.

• In the event that a guarantor is required, they must be a Thai national residing in Thailand.

Supporting documents

• A copy of ID card.

• A copy of house registration.

• A copy of deposit account statements for the previous 6 months.

• The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

• An agreement to sell and to buy.

My Car My Cash loans

Applicant’s qualifications

• Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

• Applicants must be Thai nationals residing in Thailand.

• Applicants must be the owners of the cars proposed for loan application (The cars must be obligation-free).

• In the event that a guarantor is required, they must be a Thai national residing in Thailand.

Supporting documents

• A copy of ID card.

• A copy of house registration.

• A copy of deposit account statements for the previous 3 months. In case of intermittent income: A copy of deposit account statements for the previous 6 months.

• The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

• A copy of SCB deposit account information to receive a loan amount after loan approval

• The original copy of the insurance policy (in the event that insurance is already in place).

• Vehicle registration book.

My Car My Cash Refinance

Applicant’s qualifications

• Applicants must be individuals aged between 20-60 years old (and not over 60 years when combined with a repayment period).

• Applicants must be Thai nationals residing in Thailand.

• Cars that are still under instalment obligations with other banks/financial institutions can be proposed for loan applications.

• In the event that a guarantor is required, they must be a Thai national residing in Thailand.

Supporting documents

• A copy of ID card.

• A copy of house registration.

• A copy of deposit account statements for the previous 3 months. In case of intermittent income: A copy of deposit account statements for the previous 6 months.

• The latest payroll slip or a certificate of salary issued within the previous 2 months. In case of business owners: A certificate issued by the Office of the Company and Partnership Registration and a business registration issued within the previous 6 months.

• A copy of SCB deposit account information to receive a loan amount after loan approval.

• The original copy of the insurance policy (in the event that insurance is already in place).

• A copy of the most recent receipt of instalment payment (in the event that the car is still under instalment obligations with other banks/financial institutions.)

Remarks: In the event that a guarantor is required, their required supporting documents are the same as those of loan applicants.

Loans for new cars

• Only new cars are accepted.

• Car brands are as specified by SCB.

Loans for used cars

• Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

• Car brands are as specified by SCB.

• The cars must be free of obligation and not over 12 years old.

• The cars must be registered for private use only.

My Car My Cash loans

• Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

• Cars must be free of obligation and not over 15 years old. For a loan instalment period of 84 months, the cars must not be over 12 years old and not over 19 years when combined with the loan instalment period.

• The cars must be registered for private use only. Cars registered for hire or under a juristic person’s ownership are not accepted.

• Modified cars, cars with changed engines, and imported cars are not accepted.

My Car My Cash Refinance

• Only for passenger cars, pick-up trucks, and vans as per the vehicle registration book.

• Cars that are not over 15 years old and still under instalment obligations with other banks/financial institutions. For a loan instalment period of 84 months, cars must not be over 12 years old and not over 19 years when combined with the loan instalment period.

• Cars must be registered for private use only. Cars registered for hire or under a juristic person’s ownership are not accepted.

• Modified cars, cars with changed engines, and imported cars are not accepted.

You may transfer the entitlement when one fourth (25%) of the loan amount has been paid. To transfer the entitlement, you and the new hire-purchaser and the new guarantor (if any) need to prepare the following supporting documents and contact any SCB branch in person.

• 3 copies of ID card and house registration of the existing hire-purchaser, the new hire-purchaser and the new guarantor.

• A copy of financial/bank statement of the new hire-purchaser and the new guarantor.

• A copy of maps of the current residential address and office address with address details and contact number of the new hire-purchaser and the new guarantor.

• 4 copies of the engine number and the vehicle identification number transcription.

Without a payment fee or service charge, you can pay car loan instalments via the following channels.

• The SCB EASY App.

• Cash payments over the counter at any SCB branch.

• Direct debit via an SCB deposit account (only available for instalments and penalty fees (if any) as specified in the payment reminder only).

• An SCB ATM or CDM.

Payments via the following channels are subject to a payment fee or service charge as specified by the payment service provider.

• Cash payments over the counter at banks other than SCB.

• Cash payments at Counter Service or post offices with the PAY AT POST logo nationwide.

• Cash payments at Lotus's and Lotus's Go Fresh cashiers nationwide.

You can check payment details and get a payment barcode via the following channels:

• The SCB EASY app: Go to “My Accounts” and select “My Loans.”

• LINE SCB Connect: Search for “Balance Inquiries” and select “Auto Loans.”

You can ask for a document concerning your auto loan via the following channels:
• SCB Call Center 02-777-7777 press 9 for English, press 0, press 3, and then press 1.
• Over the counter at any SCB branch

You can ask for a copy of a vehicle registration book via the SCB Call Center 02-777-7777, and choose to receive the copy via either of the following channels:

• Email: The document will be sent within 1 hour.
• Mail:
- Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

You can ask for the interest calculation table via the SCB Call Center 02-777-7777, and choose to receive the copy via either of the following channels:

• Email: The document will be sent within 1 hour.
• Mail:
- Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

You can ask for a copy of a hire-purchase contract via the SCB Call Center 02-777-7777 and choose to receive the copy via either of the following channels:

• Email: The document will be sent within 1 hour.
• Mail:
- Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

You can ask for a copy of a receipt via the SCB Call Center 02-777-7777 and choose to receive the copy via either of the following channels:

• Email: The document will be sent within 1 business day.
• Mail:
- Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

If you want to check the latest billed instalment amount or want the document for making a payment, you can check the payment details and request a payment barcode via LINE SCB Connect by selecting the menu “Balance/Point Inquiries” >> “Loan outstanding balance.”

For other purposes, you can ask for a copy of a payment reminder via the SCB Call Center 02-777-7777, and choose to receive the copy via either of the following channels:

• Email: The document will be sent within 1 business day.
• Mail:
- Bangkok and vicinity: The document will be sent within 3 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 7 business days, excluding Thailand Post’s mail delivery time.

You can ask for a copy of debt validation letter via the SCB Call Center 02-777-7777.
The document will be sent to you by mail only. A delivery time depends on your account status as follows:
• Account status: Normal
- Bangkok and vicinity: The document will be sent within 8 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 12 business days, excluding Thailand Post’s mail delivery time.

• Account status: Past due over 90 days
- Bangkok and vicinity: The document will be sent within 12 business days, excluding Thailand Post’s mail delivery time.
- Other provinces: The document will be sent within 15 business days, excluding Thailand Post’s mail delivery time.

Up to 3 joint borrowers are allowed in case of joint borrowing. The joint borrowers shall be legal relatives (parents or siblings) or a spouse regardless of marriage registration. The loan period will be considered based on the age of the youngest joint borrower.

Conditions and supporting documents are the same as the regular requirements for joint borrowing (for joint borrowers of the same sex who are not family members).

Yes, given that it is joint borrowing with a joint borrower who is a Thai national.

Yes. Loan approval conditions are as specified by SCB.

You can apply for a home loan even without a payroll slip. However, you will need to submit the following documents instead:

- Account statement for a minimum of the past 6 months, or

- Certificate of withholding tax (Form 50 Thavi), showing income for a minimum of the past 6 months

To apply for an SCB Home loan, applicants shall apply for fire insurance for the property pledged as collateral for protection against fire or natural disasters. You may apply for fire insurance with an insurance company specified by SCB or another reliable insurance company you prefer. SCB must be specified as the beneficiary in the fire insurance policy.

Credit Life insurance is optional and subject to the client’s discretion without any effect on SCB’s credit consideration and approval. With Credit Life insurance, in the event of the borrower’s death the heir of the deceased will not be liable for any debts or obligations, with the insurance company liable for debts or obligations as per the sum insured specified in the insurance policy. Another benefit is a discount in interest rates for an SCB Home loan.

The minimum loan amount is considered from trading price and valuation pricing and determined by the lower value. The minimum valuation pricing for areas in Bangkok is 600,000 baht. The minimum valuation pricing for areas in other provinces is 500,000 baht.

Yes, but additional supporting documents, including a design plan, are required.

Yes, you may apply for another home loan. Loan approval conditions are as specified by SCB.

My Home My Cash (MHMC) is a loan for which collateral ownership belongs to the borrower and/or joint borrower, or a parent or immediate sibling of the borrower/joint borrower only, and the collateral is obligation free or for refinancing a home loan from other banks.

Yes, you can apply for a My Home My Cash (MHMC) loan.

Single houses, attached houses, townhouses, commercial buildings or shophouses (for a loan amount up to 10 million baht), and condominium units, empty plots of land (located in a populated residential area and not deserted).

- Empty plots of land and farmland with clear entrances can be proposed when applying for a My Home My Cash loan.

- Blocked plots of land are not accepted for loan applications.

Yes, given that the purpose of your existing loan with another bank is for consumption and the collateral must be free of obligation before the mortgage registration with that bank.

You will get a preliminary loan consideration result within 1 business day, given that SCB has receive a complete set of required documents and collateral valuation (For collateral items that are plots of land with buildings in property projects only).

An SCB home loan is available for house construction. In case of a construction contractor in general, the conditions on drawdown upon the construction phase, interest rates, and other special offers will be different from those in case a construction contractor is an SCB partner.

There is no need for signing off the construction drawings for functional spaces under 150 sq.m. Construction drawings must be signed off on every page by an engineer for functional spaces over 150 sq.m.

Loan drawdown is upon construction phase via a fund transfer to the borrower’s SCB deposit account or directly payable to the construction contractor if they are an SCB partner. The amount of each loan drawdown will be considered based on the percentage of construction completion.

- Loan drawdowns will be directly payable to construction contractors that are an SCB partner.

- For construction contractor in general, loan drawdowns will be transferred to the borrower’s SCB deposit account.

The first drawdown upon signing a loan agreement is available in the event that clients have a house built by a construction contractor that is an SCB partner. The payment will be made on the mortgage registration date.

Loan applicants must be Thai nationals aged a minimum of 20 years old. The main borrower’s income must be 15,000 baht/month minimum. Interested clients can contact any SCB branch nationwide to apply for a home loan.

Yes, it is possible. You can contact any SCB branch nationwide for more information.

For home loan refinancing, you can contact any SCB branch nationwide or call the SCB Call Center at 02-777-7777. Refinancing conditions are that loan applicants must be Thai nationals at least 20 years old and they have paid home loan instalments with another bank for at least 2 years.

You can request a certificate of loan interest payments by filling out information via the link below:

Request a certificate of loan interest payments

It is only available for areas in Bangkok.

- Empty plots of land and farmland with clear entrances can be proposed when applying for a My Home My Cash loan.

- Blocked plots of land are not accepted for loan applications.

You can pay home loan instalments via the following channels:

1. The SCB EASY app. To see the instructions: https://www.scb.co.th/th/personal-banking/digital-banking/scb-easy/how-to/loan-payment.html

2. An SCB ATM, CDM, or VTM

3. Direct debit via an SCB deposit account

4. An SCB branch near you. Just present your ID card and inform a bank officer of your home loan account number.

- Borrowers may pay more than a usual loan instalment amount as they wish. They can also pay up the loan amount and redeem the collateral without any extra fees.

- Prepayment of the whole loan amount for refinancing with another bank or specialized financial institution within the first 3 years from the home loan agreement period shall be subject to a penalty fee by 3% of the outstanding loan amount.

It is possible if you have paid at least 36 instalments of a home loan. You can fill out a request form and submit supporting documents for the bank’s consideration as follows:

1. Download a request form here https://www.scb.co.th/th/personal-banking/loans/home-loans/form-service-request.html

2. Fill out and sign the form and submit it together with supporting documents via any of the following channels:

· e-Mail: homeloan@email.scb.co.th

· Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9, Ratchadaphisek Road., Khwaeng Chatuchak, Khet Chatuchak, 10900

· Any SCB branch nationwide

SCB will get back to you to inform you of the result within 15 business days from the date the bank received the request form and complete set of supporting documents.

You can fill out a request form and submit supporting documents for the bank’s consideration as follows:

1. Download a request form here /th/personal-banking/loans/home-loans/form-service-request.html

2. Fill out and sign the form and submit it together with supporting documents via any of the following channels:

· e-Mail: homeloan@email.scb.co.th

· Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9, · Any SCB branch nationwide

SCB will get back to you to inform you of the result within 15 business days from the date the bank received the request form and complete set of supporting documents.

For SCB to return the title deed, you will need to proceed as follows:

1. Download a request form to receive your title deed here /th/personal-banking/loans/home-loans/form-service-request.html

2. Fill out and sign the form.

3. Prepare the following supporting documents: A copy of your ID card, a copy of the receipt of the last home loan instalment, and a copy of receipt of penalty fees and/or other expenses (if any).

4. Submit the form together with the supporting documents via any of the following channels:

· e-Mail: homeloan@email.scb.co.th

· Registered mail to ทีมป้องกันลูกค้ารีไฟแนนซ์ Refinancing Prevention Team (O/C 3453), the SCB Head Office, UB Floor, No. 9, Ratchadaphisek Road., Khwaeng Chatuchak, Khet Chatuchak, 10900

· Any SCB branch nationwide

We will contact you to make an appointment for collecting your title deed at a Land Office when SCB receives a request form and complete set of supporting documents.

You may do so, with an authorization letter clearly specifying an authorized person to undertake a specific transaction on your behalf.

They are unsecured business loans targeting small businesses with high growth potential to use as working capital or to fuel their business growth. These loans contain amortization features with variable interest rates and monthly payments.

1. Thai nationals between the ages of 20 and 65
2. Have an SCB deposit account with statements that show inflows of at least 25,000 baht per month, coming in for at least the last 3 months through any of the following online channels:
· Mae Manee's QR payment app
· EDC
· PromptPay or bank transfers
3. Use the SCB EASY app with a verified email address.

Eligible customers must be invited to apply for a Manee Tunjai Loan through the Bank's marketing channels, such as SCB Line Connect, SCB EASY notification, SCB EASY Pop up, Email, or SMS.

Customers must be invited to apply for a Manee Tunjai Loan through SCB's marketing channels, such as SCB EASY app notifications, SCB Line Connect, email, or SMS. They can use the SCB EASY app to start the application process by clicking on the link.

1. Log in to the SCB EASY app, go to the "Apply Loan & Credit Card" menu, and then choose "Business Loan."

- You can proceed forward with a Manee Tunjai Loan if the screen shows the pre-approved limit that you have been given.

- You cannot apply for a Manee Tunjai Loan just yet if the screen does not show a pre-approved limit. You will get an offer when you meet the requirements.

2. Customers can check if they have been invited to apply for a Manee Tunjai Loan through notifications on the SCB EASY app, SCB Line Connect, email, or SMS.

No need to submit or upload any additional documents.

The maximum approval limit is 500,000 baht for regular customers and up to 1 million baht for stores on the Robinhood app.

Yes, customers can choose repayment periods of 6, 12, 18, 24, 36, 48 and 60 months. Merchants on the Robinhood app can choose a repayment period of up to 72 months. The maximum repayment period depends on your ability to pay debts that the system calculates for each person.

Customers can check interest rates at https://www.scb.co.th/th/sme-banking/business-loan/manee-tanjai/tunjai-loan.html

1. A front-end fee of 3% of the approved amount

2. Stamp duties of 0.05% of the approved limit, but not exceeding 10,000 baht. Credit limits of less than 2,000 baht do not require stamp duties.

Customers must apply via the SCB EASY app only.

Customers must choose which account they want to use for direct debit. SCB will debit the amount from the account on the date that installment amounts are due. Customers can pay before an installment is due by themselves through the SCB EASY app.

Customers who want to pay back all their loans early can do so through the SCB EASY app. If the loan is paid off early within 3 years of the loan agreement date, the customer must pay a prepayment fee equal to 3% of the principal balance as of the prepayment date.

Customers can contact the SCB Call Center at 02-777-7777 or visit any SCB branch.