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You’ve never applied for a loan and have no credit record.

You can’t borrow from anyone.
Let’s start all over here.

Apply for UP-Ngern-Yuem now.
 

Easy loan application for any occupation and no need to submit documents. Apply for a loan via
 

An approved credit line up to 20,000 baht.

A 24/7 credit line
readily available.
Interest is just only 2.09%/month,
equivalent to 25% p.a.
Want a higher credit line?
Just submit some supporting documents.
Save on interest
with UP coins.
Quick approvals
within just 5 minutes.

Want to apply but you don’t have an SCB savings account or the SCB EASY app? See your options!  

 

Whenever you need cash urgently
Get UP-Ngern-Yuem instantly
Without waiting for approval.

 
Say Goodbye to fees.
Choose an instalment plan
to suit your repayment ability.
Effective interest rate at 25% p.a.
You can further borrow from the remaining credit line.

Tap “Borrow” under the UP-Ngern-Yuem menu 24/7 via the SCB EASY app to make a payment and pay later in instalments to suit your repayment ability.
More details

Borrow from your UP-Ngern-Yuem credit line 24/7 via the SCB EASY app to make a payment and pay later in instalments to suit your repayment ability.  

More details

 
 

Want a higher credit line?

Just submit some supporting documents or make payments on time.

More details
 

Want to save on interest?

You can save on interest with UP coins.

More details
 


is for you, regardless of your occupation.

Thai nationals aged between 20-65 years old and
With an SCB savings account tied to the  

How to apply for  

Make sure that you’ve got the latest version of the SCB EASY app and follow these instructions.

1) Tap “Apply now.”

2) Enter your information and tap “Confirm.”

3) Review your information, details, and conditions. Tap “Submit the loan application.”

4) Agree to allow SCB to check your credit information. Enter the OTP received via SMS.

5) Tap “OK.”

6) Check for a notification on the SCB EASY app.

7) Tap “Select UP-Ngern-Yuem.”

8) Select “Agree to be bound by the loan contract” and tap “Confirm the loan contract. Enter the OTP received via SMS.

9) Tap “OK.”

10) Check for a notification on the SCB EASY app.

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