Compare Personal Loans (with / without collateral)
Compare rates, credit lines and terms across secured & unsecured personal loans (data from Bank of Thailand)
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About Personal Loans (with / without collateral)
This group of personal loans splits into two main types — secured and unsecured — and that distinction affects the credit limit and interest rate more than anything else. A secured loan, backed by land or another asset, usually offers a larger limit and a lower rate because the lender's risk is reduced. An unsecured loan is approved more quickly and easily, but the limit is typically capped by the borrower's income and credit history. Beyond collateral type, the maximum repayment term also varies by provider, which affects both the monthly instalment and the total interest paid.
CheckDi compiles both secured and unsecured personal loans from financial institutions across Thailand using the Bank of Thailand's public product data, so you can compare rates, credit limits and repayment terms from every provider in one place, free of charge.
How to choose Personal Loans (with / without collateral)
- Decide first whether you have an asset ready to pledge as collateral, since that determines whether both categories are open to you or only the unsecured one.
- Compare the secured versus unsecured rate from the same provider, to see whether the rate difference is worth pledging an asset for.
- Check the maximum credit limit against your collateral value or income, since the amount actually approved is usually lower than the advertised figure.
- Check the maximum repayment term each provider offers, and work out the monthly instalment that fits your cash flow.
- If you're using collateral, ask about the asset appraisal process and timeline, since it affects how long it takes to receive the funds.
- Check related fees, such as collateral appraisal or mortgage registration fees, which add to the cost on top of interest.
