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.
Want a higher credit line?
Just submit some supporting documents or make payments on time.
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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FAQ
What is UP-Ngern-Yuem?
UP-Ngern-Yuem is a personal revolving loan for those who do not have a fixed income or proof of income to build up their financial creditability for the first time. It is a one-time application with a quick approval result within 5 minutes. If you prove to have financial discipline with on-time repayments or upload any of the following supporting documents: a payroll slip, a salary certificate, a bank account statement, a copy of your house/car registration, you will have an opportunity to raise your credit record for a higher credit line and more access to other SCB loans. It’s like playing a game and taking on challenges to level up your credit record.
How is UP-Ngern-Yuem different from other SCB loans?
The minimum credit line is 1,000 baht. The maximum credit line is 20,000 baht* for an instalment period of up to 12 months** for every approved credit line.
- Interest rate is 2.09%/month, equivalent to 25% p.a.
- Special 0% interest rate when using UP coins
**After 31 December 2023, the maximum instalment period is 6 months.
Is there any fee for UP-Ngern-Yuem?
No worries with UP-Ngern-Yuem. There is no annual fee, front-end fee, or cash advance fee for cash advances made at SCB ATMs.
