Middle|Right Green

K-Personal Loan

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​K-Personal Loan

Good news! For all employees!​

Easy installment payment from hundreds a month!​​​

​​

InvisibleSectionName
10
Padding
Key Features
Black
Middle|Left
Left
InvisibleSectionName
20
Padding
Credit Limit
Black
Middle|Left
Left
InvisibleSectionName
30
Padding

Period

Black
Middle|Left
Left
InvisibleSectionName
40
Padding

Interest

Black
Middle|Left
Left
InvisibleSectionName
50
Padding
Loan Details
Black
Middle|Left
Left
InvisibleSectionName
60
Padding
How to Apply
Black
Middle|Left
Left
HtmlBlock
13
Padding
 
 

All your lifestyle needs fulfilled. Spend as you wish.​​

Home improvement, car down payment, continuing education,
child’s tuition payment or family vacation​

Black
Middle|Left
Left
HtmlBlock
14
Padding
 
 

Funds available upon loan approval

To be credited into your KBank account

Black
Middle|Left
Left
HtmlBlock
15
Padding
 

No need for asset collateral or personal guarantee

Enhancing your liquidity

Black
Middle|Left
Left
HtmlBlock
21
Padding
 
 

Limit up to 5x your income

​​and up to 1,500,000​ Baht​

Black
Middle|Left
Left
HtmlBlock
31
Padding
 
 

 

Installment period of your choice


Black
Middle|Left
Left
HtmlBlock
41
Padding
 

Get lower interest rate
Available for KBank Payroll customers

Minimum interest rate of 17% p.a. (normally 19% p.a.)
For approved limit of 240,001 Baht or more

Black
Middle|Left
Left

Detailed Interest Rates

Credit Limit (Baht)​
Interest Rates (p.a.)Tenor to be selected (months)
K-Payroll customersSalaried personsSelf-employed persons
240,001 or more17%19%20%
12, 18, 24, 36, 48, 60
80,001 - 240,00021%22%24%
10,000 - 80,000
25%
26%26%

Note:

  • Approved limits of 10,000-20,000 Baht are entitled to tenors of 12, 18 or 24 months only
  • Maximum interest rate is 28% p.a.; fees and other expenses are in accordance with KBank’s related announcements.
​​​​​

HtmlBlock
51
Padding

Loan Details

​​ 

Interest

Minimum rate: 19% p.a., maximum rate: 28% p.a., per KBank conditions

Tenor

12, 18, 24, 36, 48 and 60 months


Credit Limit

Up to 5x income and up to​ 1,500,000 Baht, depending on KBank’s consideration

Fees / Expenses

  • No loan management fee
  • Duty stamp fee

​Note:

  • Approved limits of 10,000-20,000 Baht are entitled to tenors of 12, 18 or 24 months only.
  • Duty stamp fee is 0.5% of the approved limit.
  • In case of default, the maximum interest rate is 28% p.a.
  • Penalty fee for early repayment within 24 months is 1% of loan amount. Interest rate, penalty fee and other fees must not exceed 28% p.a. in total.
  • ​​​Other details are in accordance with conditions and agreements for K-Personal Loan product. In case of non-compliance with related conditions, KBank may request additional documents for consideration.

Black
Middle|Left
Left

Detailed Interest Rates

Credit Limit (Baht)​
Interest Rates (p.a.)Tenor to be selected (months)
K-Payroll customersSalaried personsSelf-employed persons
240,001 or more17%19%20%
12, 18, 24, 36, 48, 60
80,001 - 240,00021%22%24%
10,000 - 80,000
25%
26%26%

Note:

  • Approved limits of 10,000-20,000 Baht are entitled to tenors of 12, 18 or 24 months only
  • Maximum interest rate is 28% p.a.; fees and other expenses are in accordance with KBank’s related announcements.
​​​​​


HtmlBlock
60
Padding

How to Apply

Qualifications

Nationality

  • Thai

Age

  • 20 years or older
  • For fixed income earners, age plus tenor must not exceed 60 years.
  • For self-employed persons, age plus tenor must not exceed 65 years.

Income

  • Fixed income earners: 15,000 Baht or more
  • Self-employed persons: 40,000 Baht or more
 

Duration of employment

  • Fixed income ​earners: at least 6 months of employment (previous employment can be counted if the probation period of the current employment has been completed)
  • Self-employed persons: at least 2 years of current business operations

Others

  • Having fixed-line telephone number for immediate contact, at home and office
 
Required Documents​

Fixed income earners

  • Copy of national ID and name change certificate (if any)
  • Copy of first page of KBank savings account passbook showing that the applicant is the account holder
  • Salary slip or salary certificate issued not more than three months earlier
  • In case of salary certificate: copy of bank statement showing salary deposits for the previous three months
  • If you have been with your present employer for less than six months, but have already completed the probation period, the previous employer’s work certificate is required.

Self-employed persons​

  • Copy of national ID and name change certificate (if any)
  • Copy of first page of KBank savings account passbook showing that the applicant is the account holder
  • Copy of Commercial Registration or Certificate of Business issued by Ministry of Commerce not more than six months earlier
  • Copy of bank statement for the previous six months
  • In case of company account: copy of shareholder list as of no more than one year earlier
  • In case of Ordinary Partnership: copy of application for commercial registration

Note:

  • For those without fixed income (e.g., those earning from commission or self-employed persons), copy of bank statement or withholding tax certificate (50 bis) acknowledged by the Revenue Department for the previous six months
  • Income certificate is waived for customers having salary transactions via KBank for at least seven consecutive months and employment period of six months or more.
  • For customers having salary transactions via KBank for less than seven consecutive months, the required documents are the same as those for other customers.

Black
Middle|Left
Left



HtmlBlock
12
Padding
 
 
 

​​​Lump sum to fulfill your needs in all spending plans​​​


​​​​

Black
Middle|Left
Left
Tiles
 
Padding

Black
Middle|Left
Left
HtmlBlock
11
Padding
 
 

​Good News for

employees salary upto 7,500 Baht/month
with K-Personal Loan



Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left