Frequently Asked Questions

KTC will approve 5 times of your monthly income as your maximum credit limit. However, for education loan, KTC will approve up to 4 times of your monthly income.

You could apply for a KTC CASH at any KTC TOUCH or with any sale representative.

Your first loan will be transferred into your preferred bank account within 1 business day after the loan approval. (KTC will mail a letter notifying you regarding its approval or disapproval decision, to your mailing address stated in the application form.)

For our member's convenience, KTC offers installment payment period starting from 12 to 60 months, depending on the line of credit.

KTC has no fine policy for closing the account before end of contract term. However, all your remaining balance must be paid at any (KTC TOUCH) only.

Unfortunately, the payment due date could not be changed due to the legal agreement in the contract. Our best advice is to choose the date that is most suitable, convenient, and applicable for your payment. For direct withdrawal from the salary account, on the contrary, the company will determine the due date in the beginning.

You absolutely can do that. Since using effective interest rate calculation, the more additional money you put into your monthly installment payment, the lower the balance would be, and the sooner you could fulfill the contract.

You could contact KTC PHONE 02 123 5000 inquiring about your payment history, due amount, and requesting a Loan Statement Request Form to pay your balance at any Krungthai Bank.

For your instruction compilation, in your monthly statement, if you notice the account number for your automatic payment withdrawal shown in the block “The company will automatically withdraw the money from the account number....,” it means that the company has already followed your instruction. Otherwise, please continue to pay your installment at our available payment channels. The company will take care of this issue as fast as we could, and please accept our apology.

Learn more at KTC CASH Payment Channels

You can certainly apply for the second loan as soon as you fulfill the first contract and close your loan account. You simply fill out the application form, and attach all required documents for smooth reviewing process. If your installment payment period still remains, or your current loan account is still active, you are not eligible for the second loan application.

Sorry that you are not eligible for the application.

For employees with regular salary, it is better that you use your salary account or/and other saving account in addition. For business owners/ entrepreneurs, the account with your business cash flow under the borrower’s name, according to the company requirement, is preferred for KTC CASH application.

The company reserves the right to hold all the documents submitted to the company for the application.