Pico loan
A general-purpose loan for everyday costs, working capital or urgent debt, with or without collateral.
- Limit
- Up to 50,000 baht
- Rate
- 36% per year
Provincial micro-credit, supervised by the Ministry of Finance
Lendingfor civil servants
Yasothon · Mukdahan · Roi Et
Thanasin Group lends to civil servants, government employees, permanent staff and state-enterprise workers across lower Isan. Every term is published up front; there are no hidden fees.
- Decision within 24 hours
- No fee to apply
- With or without collateral
- Supervised by the Ministry of Finance
- AmountPico loan
- ฿50,000
- Approximate monthly instalment
- 5,023baht / month
Example calculation
An example only — adjust the figures in the calculator.
Why Thanasin
Every condition is published in advance, so nothing has to be asked about afterwards.
A fast decision
Pico loans are decided within 24 hours of the documents being complete — no waiting a week to hear back.
No fee to apply
Submitting and being assessed costs nothing. A fee is charged only once the loan has been approved.
Rates stated plainly
36% per year on the first 50,000 baht and 28% above it, charged on a reducing balance and inclusive of all fees.
Properly licensed
Operating under a provincial micro-credit licence, supervised by the Ministry of Finance.
Who we lend to
Public-sector staff with at least six months of service, working in the provinces we cover.
Civil servants
In any department, nationwide
Government employees
At every level of government
Permanent staff
Of government agencies
State-enterprise staff
At any state enterprise
Where we lend
Three provinces in lower Isan, each with a branch you can walk into.
How to apply
Four steps, from filling in the form to receiving the money.
Check you qualify
See whether you meet the conditions — it takes under a minute.
Ask for a call back
Fill in the form or call us, and staff will get in touch.
Bring your documents
Prepare the four documents and hand them in at a branch.
Decision and funds
A decision within 24 hours, then the funds on the agreed terms.
Who qualifies, and what to bring
Every condition is here on the page rather than hidden behind a toggle.
Eligibility
- Civil servants in any department
- Government employees
- Permanent staff of government agencies
- State-enterprise employees
- At least six months of service
- Working in Yasothon, Mukdahan or Roi Et
Documents required
- Thai national ID card
- Payslip or a letter confirming salary
- Copy of house registration
- Three months of bank statements
There is no fee to apply or to be assessed. A fee is charged only once a loan has been approved.
Products
Three products with different terms depending on purpose. Every rate is charged on a reducing balance.
Pico Plus
For a larger facility, or to consolidate several agreements into a single monthly repayment. The portion above the cap is charged at a lower rate.
- Limit
- Up to 100,000 baht
- Rate
- 36% on the first 50,000 · 28% above it
Refinancing
Consolidate debts from several lenders into one, reducing both the interest burden and the monthly repayment. Initial consultation is free.
- Limit
- Assessed against existing debt
- Rate
- Set by the approved facility
Estimate instalments
Drag to see an indicative instalment. The figures use the published rates, not an advertised headline rate.
฿50,000
฿5,000฿100,000
12 months
3 months60 months
Rate applied36%
36% per year across the whole balance
Your estimate
- Monthly instalment
- ฿5,023
- Total repayable
- ฿60,276
- Total interest
- ฿10,276
Indicative only, calculated on a reducing balance with the instalment rounded to whole baht. Actual rates and terms depend on assessment. The calculator covers 5,000 to 100,000 baht.
Branches
Three branches across lower Isan, all reachable on one central number.
Thanasin Ltd. Partnership (Yasothon 2016)
- Address
- 650/4-5 Chaeng Sanit Rd., Nai Mueang Mueang Yasothon Yasothon 35000
- Telephone
- 02-124-3347
- Hours
- Monday–Friday, 09:00–16:00
Saturday, 09:00–12:00
Thanasin Ltd. Partnership (Mukdahan 2022)
- Address
- 40 Wiwit Surakan Rd., Mukdahan Mueang Mukdahan Mukdahan 49000
- Telephone
- 02-124-3347
- Hours
- Monday–Friday, 09:00–16:00
Saturday, 09:00–12:00
Thanasin Co., Ltd. (Roi Et)
- Address
- 287/41 Moo 7, Niwet Thawat Buri Roi Et 45170
- Telephone
- 02-124-3347
- Hours
- Monday–Friday, 09:00–16:00
Saturday, 09:00–12:00
Closed Sundays and public holidays
Open a branch with us
Run a Pico Finance branch in your province using the systems and central team that already exist.
Loan management system
A complete system ready on day one. Nothing to build, no IT team needed.
Central back office
Administration, accounting and legal work are handled centrally. The branch focuses on customers.
Small teams
A branch needs one or two people on the front desk, so operating costs stay low from the start.
Properly licensed
Operating under a supervised Pico Finance licence, fully within the regulations.
A business model that has already been proven
- No prior lending experience required
- Full training on the system provided
- Central team supporting you throughout
- Room to open further branches nationwide
Front-desk staff
Just 1–2 people
The back office is handled by the central team
Get in touch
An initial conversation about terms and fit.
Assess the area
We look at the potential of your province together.
Sign
Agree the terms and the investment structure.
Open
System training, then the new branch opens.
Common questions
If your question is not here, call us during opening hours.
Who can apply?
Civil servants, government employees, permanent staff of government agencies and state-enterprise employees with at least six months of service, working in Yasothon, Mukdahan or Roi Et.
What documents do I need?
A Thai national ID card, a payslip or letter confirming salary, a copy of your house registration, and three months of bank statements.
How long does a decision take?
Pico Finance decisions are returned within 24 hours once the documents are complete. Cases needing further checks may take three to five working days.
What is the interest rate?
The maximum rate permitted for pico lending: 36% per year on the portion up to 50,000 baht, and 28% per year on anything above 50,000 baht, charged on a reducing balance. This rate is inclusive of all fees.
Is there a fee to apply?
No. There is no fee to submit an application or to have it assessed. A fee is charged only once the loan is approved.
Can I repay early?
Yes. Because interest is charged on a reducing balance, repaying early lowers the total interest you pay. Contact your branch for a settlement figure.
Request a call back
Leave your details and branch staff will call during opening hours. This is not a loan application and no national ID number is needed.
Contact
- Call centre02-124-3347
- Emailgroupthanasin@thanasincash.com
- LINE@thanasin
- HoursMonday–Friday, 09:00–16:00
Saturday, 09:00–12:00
Closed Sundays and public holidays
Branches
- Thanasin Ltd. Partnership (Yasothon 2016)
- Thanasin Ltd. Partnership (Mukdahan 2022)
- Thanasin Co., Ltd. (Roi Et)