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With the experience of over three decades in loans provision, Ngern Tid Lor has firmly established itself as the leader in the microcredit sector, and has become much more than just a loan provider. Our mission, to make fund sourcing faster, simpler and more approachable, has helped over 296,147   recipients to achieve peace of mind and the hope of a better future.
Our customers are typically people on low incomes - perhaps with a bad or no credit history - who need a quick and simple means to borrow money but have difficulty obtaining credit through more traditional sources. As the leading auto-for-cash loan provider, we pride ourselves on a no-nonsense, personable approach to providing reliable cash loans. We combine the professionalism and stature of institutional banking with the speed and reach of informal lending.
With over 480 branches nationwide, we are highly accessible to all. In each of our branches, our friendly and knowledgeable staff are always eager to help.
The company is also a non-life insurance broker with the biggest branch network in Thailand. Through an extensive branch network, Ngern Tid Lor offers a wide range of products from personal accident to motor vehicle insurance, all at highly competitive prices. We analyze and carefully select our products from Thailand’s top insurance companies to ensure the best possible value for our customers.
As a subsidiary of the Bank of Ayudhya Public Company Limited, and of Mitsubishi UFJ Financial Group (the largest group of financial institutions in Japan and one of the largest finance groups in the world), Ngern Tid Lor offers the security, stability and the high standards you would expect from such renowned institutions. With this support and supervision, we are confident in our ability to offer products and services of the highest quality.



With company values that are based on high standards, transparency and a positive approach to finding solutions we offer a very real alternative to less legitimate financial solutions. Our aim is to enrich the quality of life for the people of Thailand, by providing financial assistance and insurance cover through a range of products and services that they may find difficult to come by elsewhere. We firmly believe that uncomplicated access to micro-finance, together with financial education, helps in the battle against poverty and in the long term development of the country’s economy.


“At Ngern Tid Lor, in everything we do, we strive to empower people and enrich lives. We believe that access to fair, transparent, and responsible financial services is everyone's right.”
“We deliver financial betterment by offering relevant products and services that are simple to understand, convenient, and fast through our committed employees.”



Ngern Tid Lor Core values
Insightful Understanding
In order to solve any problem, we are always curious about the real reasons behind problems. We want to uncover people’s real needs in order to come up with the right solutions that will make their lives better.

Initiative Leadership
We are determined to take the lead and set standards of the market. Our bravery allow us to challenge traditional practices and think innovatively of the right solutions that will enhance people’s lives further than anyone can.
Professional Integrity
We believe in doing things the right way. Honesty and transparency will always be our key approach to be trusted by all.
Intimate Approach
We want to always be there for the people like a true friend, not only just when they need. We will remain humble, down to earth, and welcoming to all. We will always be bright and cheerful with a smile on the faces and ready to provide any assistance to anyone.


Customer feedback


Thank you for trusting us as your financial companion.