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Happy Cash Personal Loan

Happy Cash Personal Loan

Nature of Service and Highlight

Installment

Channels of payments

Loan Fee

Document

Required Documents

Eligibility

Happy Cash Personal Loan

Life is going on smoothly...with more freedom and various lifestyles can come true, for example, personal expenses, trips, auto repairmen, house renovation and so on. Payments can be made in equal installments on a monthly basis without a guarantor or security.

Installment

Maximum installment of 60 months

Channels of payments

Payments directly at all branches of Land and Houses Bank.
Payments through the Counter Payment service at other banks, including all branches of Siam Commercial Bank (SCB), Krung Thai Bank (KTB), and Kasikorn Bank (KBank).
Payments via Automatic Bank Account Deduction.
Payments through the LHB You Mobile Banking Application.
Payments through the Counter Service at all branched of 7-Eleven store.

Nature of Service and Highlight

Maximum credit limit of 5 times the income or up to Baht 1.5 million*
Happy interest rate with special options
Easy approval Get money fast
Effective Interest Rate
No guarantor or collateral required.

Loan Fee

Type of Fees	Fee Charge
Duty stamp	Charge 0.05% of credit limit
Collection Fee	Charge 50 Baht per Billing Cycle for one overdue payment Charge 100 Baht per Billing Cycle for more than one overdue payment If there are outstanding debts or debts due for accumulated repayments that do not exceed 1,000 baht, no debt collection costs will be charged.
Prepayment account closing before 1 year	2% of Outstanding balance Effective date 1 January 2024

Note : Terms and conditions are subject to the bank’s announcements and rules.

Document

Sales Sheet สินเชื่อส่วนบุคคล Happy Cash

Announcement on 23 August 2024

Download

Required Documents

Personal

A copy of identification card
A copy of first page of passbook of savings account
A copy of name-surname change certificate (if any)

Income

- Fixed Income/Fixed Allowance

1 Latest salary slip (Original Carbon Slip/Copy Carbon Slip/Printed E-Slip) or Latest salary confirmation
A copy of 6 months bank statement which must be the same month as salary slip

- Non Fixed Income/Non Fixed Allowance