Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Ngern Tid Lor review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Ngern Tid Lor lends against cars and pickups in Thailand, and it suits drivers who want a fixed instalment rather than an open-ended rate. The annual rate is 12% to 24% over 12 to 60, and the app transfer fee is 3 THB per app loan transfer.

Key facts

Best for
Drivers with a car or pickup in Thailand who need a secured loan the same day.
APR
12% to 24%↗
Loan amount
THB 20,000↗
Term
12 to 60 months↗
Arrangement fee
3 THB per app loan transfer↗
Funding time
Instant transfer of loan proceeds via the app; decision within 1 hour when documents are complete↗
Representative example
Car/pickup registration loan of 20,000 THB over 24 months at 1.13% per month flat (equivalent to 24% per year reducing balance): average installment 1,078 THB, total interest 5,267.65 THB, total repayable 25,267.65 THB↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Thai individuals aged 21-68, own a car or pickup not older than 20 years, employed, permanent staff or self-employed with at least 6 months in the current job↗
Loan types
Secured, Car↗
Credit needed
Fair↗
Legal entity
Ngern Tid Lor Public Company Limited↗
Headquarters
Thailand↗
Founded
1980↗
Support channels
Phone, Chat↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
tidlor.com

Personal insurance

Premium from
THB 323.14↗
Insurance types
Auto, Motorcycle, Van, Life, Health, Critical-illness, Travel, Home↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
THB 1,000↗
Cover limit
Compulsory third party: 500,000 baht death benefit, 200,000-500,000 baht for dismemberment or permanent disability, 80,000 baht medical costs↗
Claims channels
Phone, Chat, Branch↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • Proceeds arrive in the app, with a decision within a short window when documents are complete.
  • Free early repayment, so a car loan can be paid down sooner at no extra charge.
  • The lending is direct lender, so one company handles the loan from application to repayment.

Cons

  • A transfer fee of 3 THB per app loan transfer applies on every app loan transfer.
  • Support runs on phone and chat only, with no email or branch channel listed for the loan side.
  • The example's flat monthly rate sits above the equivalent yearly rate on a reducing balance, so the headline figure understates the cost.

Ready to try Ngern Tid Lor?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Thai drivers with a car or pickup who need money the same day.
  • Borrowers who can clear the balance early, since free early repayment costs nothing.
  • Self-employed applicants with a minimum period in the current job and a fair credit score.

Who should look elsewhere

  • Creduma ES, where borrowing starts at from €12,000, a sum far above a car loan.
  • Sofkredit, whose 10.74% to 18.06% range overlaps this one, so it is worth a second quote.
  • Cashspace, whose PHP 12 to PHP 36 is priced in another currency, so the baht figure does not carry over.

Deposit protection

Ngern Tid Lor is a direct lender, so the same company handles the loan from application to repayment. The published example prices a car or pickup registration loan on a flat monthly rate and prints the equivalent yearly rate on a reducing balance, which means the two figures are not the same. Across the site, providers lose 70.15% of retail money, so treat any balance as at risk.

The company behind it

The legal entity is Ngern Tid Lor Public Company Limited, based in Thailand and trading since 1980, a long record for a lender working in a single market. Support runs on phone and chat only, so help comes by phone or in-app chat.

How Ngern Tid Lor compares

Where Ngern Tid Lor is available

Available
Thailand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does borrowing cost?+

The annual rate is 12% to 24% on a fixed rate basis, and the worked example prices a car or pickup registration loan on a flat monthly rate alongside the equivalent yearly rate on a reducing balance. Early repayment is free, so closing the loan early cuts the interest that would otherwise build up.

How fast does the money arrive?+

Proceeds are transferred in the app and a decision comes within a short window when documents are complete. The product is listed with same day funding and credit line, so a driver can have the money the same day and hold a credit line open for later draws.

Who can apply for a car loan?+

Eligibility covers Thai individuals across an adult age range who own a car or pickup that falls inside the lender's age limit, and who work as permanent staff or self-employed with a minimum period in the current job. The lender asks for fair credit rather than a prime score.

What is the loan secured against?+

The lending covers secured and car products, so the vehicle stands behind the money. The calculator works from a car or pickup registration loan, and the app credit line lets a borrower draw again later without starting a new application.

How do I reach support?+

Support runs on phone and chat, so questions go through a phone line or an in-app chat, with no email channel in that list. A call is the quicker route for anything tied to a specific loan or vehicle.

What insurance can the group arrange?+

The insurance side runs as a broker, broker, and arranges auto, motorcycle and van cover, with premiums from THB 323.14 and monthly payments available. Motor excess starts at THB 1,000, and claims can be made by phone, chat and branch.

How established is the lender?+

The legal entity is Ngern Tid Lor Public Company Limited, based in Thailand and trading since 1980. It is a direct lender working in a single market, so the credit decision and the servicing sit with one company.

Sources

  • prakantidloh.com checked September 26, 2026

    Backs: Insurance types

    “Insurance offered: car, compulsory third party, life, short-term car (30-180 days), truck, motorcycle, cancer, personal accident, travel, home and condo fire”

  • prakantidloh.com/th/insurance/car checked September 26, 2026

    Backs: Claims channels, Provider type, Excess from, Monthly payments

    “For claim problems, call Prakan Tidlor 24 hours on call centre 1501, press 1, or chat on Facebook Prakan Tidlor via Ngern Tid Lor, or contact any nearby Ngern Tid Lor branch”

  • prakantidloh.com/th/insurance/compulsory-third-party checked September 26, 2026

    Backs: Cover limit, Premium from

    “Compulsory third party coverage proven at fault: medical costs up to 80,000 baht, dismemberment or permanent disability 200,000-500,000 baht, death 500,000 baht”

  • tidlor.com/th checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “428 Ari Hills Building, Phahonyothin Road, Samsen Nai, Phaya Thai, Bangkok 10400”

  • tidlor.com/th/about-us/background checked September 26, 2026

    Backs: Founded

    “1980: started the vehicle registration-book loan business in Phetchabun province as Srisawat Phetchabun Co., Ltd.”

  • tidlor.com/th/loan/calculator checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Example: customer applies for a car/pickup registration loan of 20,000 THB”

  • tidlor.com/th/loan/car checked September 26, 2026

    Backs: Credit needed, Eligibility, Free early repayment, Funding time, Loan types

    “The approved amount depends on the make, model and year of the vehicle, the income and the qualifications of the borrower”

  • tidlor.com/th/loan/tidlor-card checked September 26, 2026

    Backs: Features

    “Apply once, have a reserve credit line for emergencies, no interest if unused; transfer money via the Tidjai app or withdraw cash from any ATM at any time”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Ngern Tid Lor

Drivers with a car or pickup in Thailand who need a secured loan the same day.

9.2/10See alternatives