Product Detail

Acquire a second-hand car more easily, with SCB Auto Finance for a Used Car. Borrow up to 90% of your car's value. Get an affordable interest rate and a long loan tenor of up to seven years. You can transfer your hire-purchase rights to a third party; e.g., in case you wish to sell the car. Our auto-finance experts offer the most professional service.
Convenient and fast

Convenient and fast

We won't keep you waiting. Our loan application process is simple, convenient and fast, so your dream comes true easier.
An installment plan tailored to you

An installment plan tailored to you

SCB helps you select the loan term and installments that best fit your needs.


  • Age: 20-60 years old (no more than 65 years when combined with installment period)
  • Registered residence in Thailand

Document Required

Identity Verification

Only a copy of your ID card is required. If a copy of a state officer or state enterprise officer ID card with the ID number and photo on the card is provided, please provide a copy of your house registration document.

Address Confirmation

Copy of house registration or other official certification of residence.

Income Document

Salaried employee

  1. Salary confirmation and pay slips
  2. Bank statements for past six months

Business owner

A certificate letter recently issued by the Office of the Company Limited and Partnership Registration and commerce registration within the past 6 months


Car Requirements for Loan Applications

  • Types of cars accepted: Passenger cars, pickup trucks, and vans only
  • The car must be free from any obligation and not over 12 years old.
  • The car registration must be for personal use only.

Insurance Requirements

Insurance requirements are subject to the bank’s conditions.

Fees and Expenses

Agreement fees and other expenses are as specified by the bank and will be deducted from the approved loan amount.


  • Loan amounts approved depend on the car’s condition and the applicant’s qualifications, so they vary from one client to another.
  • Fee rates, requirements, and conditions shall follow the announcements and regulations specified by the bank.
  • The bank reserves the right to cancel or change any requirement, fee, or condition without prior notice.

Minimum Information Disclosure

Table of minimum information disclosure: SCB Auto Finance for Used Cars
Item Details disclosed
a) Interest rate


Type of car Flat Interest Rate p.a. Effective Interest Rate p.a.
For cars aged no more than 9 years 13%
For cars aged 10 years or more 17%

Interest rate calculation: Daily basis
The number of days per year for interest calculation: : Based on a calendar year


b) Maximum loan amount allowed 90% of the asset valuation amount
c) Agreement period (agreement validity period) 72 months, or 6 years maximum
d) Collateral N/A
e) Service fees and penalty fees Details about any fees, service fees, and penalty fees of SCB auto finance (hire-purchase loans)
f) Insurance Car insurance/ credit protection insurance/ accident insurance/ life insurance
g) Guarantor N/A

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