PAH

Pah is an intermediary application for borrowers to meet with lender which borrower can easily manage credit process such as raise a loan and check credit status by using Pah/Paa application. First step is to identify yourself through e-KYC (Electronic Know-Your-Customer).
The borrower is able to receive the initial credit approval result before entering the loan process.
Next, after approval process, borrower can check the status, transfer money, check all the transfer payment history, and QR payment, lastly you also can apply for more loan credit via Pah application.

Pah loan criteria
- offering loan types from 2 months up to 12 months
- up to 36% effective rate of interest per annual complied with PICO license issued by Ministry of Finance of Thailand (Including platform fee and lending fee)

eg. for product ‘J Loan’ which have 28% interest (included other fees)
- Loan contract of 2000 THB
- payback period = 2 months
- Fees = 80 baht
- loan amount received 1980 THB
- Payback plus interest = 2000+ 40.11 = 2040.11