ยืมคล่อง - กู้เงินถูกกฎหมาย

Yimklong – an online loan platform providing provincial-level microfinance (Pico Finance) services under the supervision of the Ministry of Finance. It focuses on safe access to funding with a maximum loan amount of 50,000 baht, interest calculated on a declining balance basis as legally mandated, and no loan fees. Easy application via the app, quick approval, no collateral required.
Receive funds within 24 hours (after loan approval). Safe, reliable, and protects user's personal information.

Yimklong Loan Details:
1. Repayment Period: 3 - 6 months (91 - 180 days)
2. Loan Amount: 1,000 - 50,000 baht
3. Annual Rate (APR): Up to 35.8% per year
Note: Loan amount and repayment period depend on each borrower's information (Terms and conditions apply as defined by the company).

Example of Calculation of a Declining Balance Loan (For reference only)
Principal: 30,000 THB Number of installments: 4 installments Period per installment: 30 days (120 days divided into 4 installments)
Interest rate per day: 0.0822% Interest rate per installment: 0.0822% × 30 = 2.466%
Amount to be paid per installment (fixed): 7,968.01 THB
Installment 1
- Interest: 30,000 × 2.466% = 739.80 THB
- Principal: 7,968.01 − 739.80 = 7,228.21 THB
- Remaining principal carried forward: 22,771.79 THB
Installment 2
- Interest: 22,771.79 × 2.466% = 561.55 THB
- Principal: 7,968.01 − 561.55 = 7,406.46 Baht
- Remaining principal carried forward: 15,365.33 Baht
Installment 3
- Interest: 15,365.33 × 2.466% = 378.91 Baht
- Principal: 7,968.01 − 378.91 = 7,589.10 Baht
- Remaining principal carried forward: 7,776.23 Baht
Installment 4
- Interest: 7,776.23 × 2.466% = 191.76 Baht
- Principal: 7,967.99 − 191.76 = 7,776.23 Baht
- Remaining principal carried forward: = 0.00 Baht
Summary
- Total repayment amount: 7,968.01 × 3 + 7,967.99 = 31,872.02 THB
- Total Interest: 31,872.02 − 30,000 = 1,872.02 THB

Why choose “Yumklong”?
1. Easy loan application, fast approval, no collateral required. Receive funds within 24 hours of approval.
2. Low interest rates, not exceeding 35.8% per year, in accordance with legal regulations.
3. Licensed by the Ministry of Finance.
4. Flexible repayment plan.
5. 24/7 customer service.
6. Safe, reliable, and secure with personal data protection.
7. We support loans only when necessary and encourage timely repayment.

Apply for a loan easily in just 4 steps:
1. Download the “Yumklong” application from the Google Play Store.
2. Register with your mobile phone number.
3. Fill in all the required information, select the loan amount and repayment period.
4. Submit your loan application for approval.

Applicant Requirements:
1. Age 20 years and above.
2. Have a stable income and supporting information to verify your ability to repay the debt.
3. A good repayment history will increase your chances of loan approval.

Convenient Repayment Methods:
1. Repayments can be made via QR Code in the application.

Caution:
2. Loan repayments must be made via QR Code in the app only. Transfers to other accounts are not accepted.
3. Beware of scammers impersonating “Yumklong”.
4. “Yumklong” does not collect payments through personal accounts or any other accounts whatsoever.
5. The company does not charge any loan fees. Or deduct the money in advance before the loan is approved.

Contact Us
- Licensed Service Provider: AlphaByte Technology Co., Ltd.
- Address: 230 CS Tower, 14th Floor, Ratchadaphisek Road, Huai Khwang Subdistrict, Huai Khwang District, Bangkok 10310
- Business License Number: 1157/2568
- LINE ID: @yuemklong
- Email: contact@alphabyte.co.th
- Website: www.alphabyte.co.th
- Online Customer Service: Contact via the application in the "Customer Service" menu.

Need quick cash? Yuemklong can help! Easy loan application, fast approval. Apply now!