ATS PICO

ATS PICO is a provincial-level microfinance loan regulated by the Ministry of Finance (Pico Finance)

Eligibility Criteria
• Age: 20 – 65 years
• Must have a household registration or reside or work in the same province as an ATS PICO office
• Must have a regular income according to the company’s requirements

Loan Amount • Maximum loan amount: 100,000 THB

Interest Rate • Loan amount not exceeding 50,000 THB: Interest rate not more than 36% per year • Loan amount exceeding 50,000 THB: Interest rate not more than 28% per year

Key Features
• Easy and fast application process, ideal for those who need quick cash for personal expenses • Support customers with diverse income sources, such as salaried employees, self-employed individuals • Apply online or at ATS PICO branches • No transaction fees • No collateral or guarantor required for unsecured loans • Guaranteed legal compliance, certified by the Ministry of Finance

Additional Conditions • Must provide proof of income, such as a salary slip, bank statement
• Maximum installment period is up to 24 months (depending on loan amount and approval conditions) • Minimum monthly installment is 300 THB • Choose your preferred payment date, either the 2nd or the 17th of each month.

Example of Loan Interest Calculation

Assuming a loan transaction is made on February 1, 2026, the customer signs a loan agreement for 10,000 baht. Repayment over 3 months, interest rate 36% per annum. Payment date chosen: 2nd of the month. First Installment: 3,535.30 baht, Interest Fee: 190.68 baht, Reduced Principal: 3,344.62 baht. Second Installment: 3,535.30 baht, Interest Fee: 135.66 baht, Reduced Principal: 3,399.62 baht. Final Installment: 3,319.96 baht, Interest Fee: 64.22 baht, Reduced Principal: 3,255.74 baht. Total Interest payable: 390.57 baht.