interest rates
For clients receiving salary via SCB accounts
For clients receiving salary via SCB accounts
| Approved credit line (THB) | SCB Payroll clients | |
|---|---|---|
| Interest rate for the first 2 billing cycles (p.a.) | Interest rate for the third billing cycle onward (p.a.) | |
| 300,000 ขึ้นไป | 9.99% | 16% |
| 100,000 - 299,999 | 9.99% | 20% |
| 50,000 - 99,999 | 9.99% | 22% |
| 10,000 - 49,999 | 9.99% | 24% |
General clients
General clients
| กลุ่มลูกค้า | Approved credit line (THB) | ||
|---|---|---|---|
| Interest rate for the first 2 billing cycles (p.a.) | Interest rate for the third billing cycle onward (p.a.) | ||
| Employees | 300,000 ขึ้นไป | 9.99% | 19% |
| 100,000 - 299,999 | 9.99% | 22% | |
| 10,000 - 99,999 | 9.99% | 25% | |
| Business owners, Freelancers, Merchants | 300,000 ขึ้นไป | 9.99% | 22% |
| 10,000 - 299,999 | 9.99% | 25% |
Interest rates for 
Interest rates are 16-25% p.a. The minimum instalment period is 3 months, and the maximum instalment period is 36 months.
Conditions on Interest rates for
- The special offer is exclusively for SCB clients applying UPcash loans via the SCB EASY app and receiving loan approval between 10 December 2022 – 30 April 2023.
- Clients will receive an interest rate of 9.99% p.a. for the first two billing cycles under the following conditions:
- An UPcash amount must be drawn down within one month after loan approval and clients will receive an interest rate of 9.99% p.a. for the first billing cycle.
- An interest rate of 9.99% p.a. for the second billing cycle when there is a minimum outstanding balance of 10,000 baht without default. From the third billing cycle onward, interest will be at a regular rate as per the approved credit line.
- Default rate is 25% p.a. maximum (the highest default rate as per the loan contract + 3% on top) for all the outstanding balance of a personal revolving loan or the principal amount of default instalment in case of monthly instalments.
- SCB reserves the right to amend the conditions, terms, requirements, periods, and benefits, and may cancel this promotion with notification 7 days in advance of an effective date, unless there is a need whereby such advance notification is impossible. In case of any dispute, SCB’s judgment is deemed final.
- Credit approval conditions are as specified by SCB.
- For more information, please call the SCB Call Center at 02-7777777.
