United Overseas Bank Limited or UOB (Thai) is considered as one of Thailand’s top banks. In fact, UOB Thailand was named Thailand’s Best International Bank at the Asiamoney Best Bank Awards in 2020. The bank was acknowledged for its commitment to making banking smarter, simpler, and safe for customers. It was also recognised for its comprehensive customer-focused services and strong capabilities in supporting SMEs, retail customers, and cross-border businesses.
UOB Thailand is also known for its welcoming and friendly personal loan services for foreigners.
With Branches in Singapore, Malaysia, Indonesia, Thailand, and China, UOB has a large regional presence, especially in Asia.
UOB personal loans can be used for a variety of purposes, from renovating your dream house to consolidating debt. Of course, you can’t use the money for anything illegal, but you can use it for almost anything you need. Here are some reasons to get UOB personal loan.
If you need money to cover an emergency cost, such as to cover bills, taking out a personal loan from UOB can be a good choice. You could receive funding fast.
If you owe a substantial balance on one or more credit cards with high-interest rates, you can take out UOB personal loans to pay them off and save you money. The loan provides a good opportunity for a clean financial slate.
Whether you want to buy new appliances, installing a new furnace, or making a big purchase to improve or repair your home, taking out a personal loan could be more affordable than putting the bill on a credit card or financing through the seller.
You can use your UOB personal loans to finance an expensive event, such as a wedding or a major anniversary party. Using personal loans, in most cases, is cheaper than using a credit card.
If you’ve been dreaming of going on a vacation for so long but you can’t afford to pay for it all at once, getting UOB personal loans can be a great option to make that dream come true.
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The possibility of obtaining a personal loan online was a lot higher, I also put in a request to have my payment moved to the end of the month. This is all thanks to my rep, who made everything effortless.
The loan process was very easy. I used the loan to pay off my high interest credit cards and saved a lot of money by doing so. 5 Stars.
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UOB offers two types of personal loans for you. Each of them provides different features and benefits. Therefore, make sure you read the details carefully and choose the one that fits your needs.
UOB i-Cash loan is suitable for anyone who needs a large sum of money to spend daily. You can use it to pay for credit card debt, mortgage, child tuition, medical expenses, car installment, or even to invest in your own business. UOB i-Cash is a multi-purpose loan, so you can spend the money for whatever you need. It requires no collateral, and people with a minimum salary of 15,000 THB are allowed to apply.
UOB Cash Plus offers flexibility to manage your advantage of any opportunity by having quick access to a revolving credit line for 24 hours a day, anywhere. You will get a revolving credit line up to 1,000,000 THB. No collateral or guarantors is needed, and you can withdraw cash with no fee from ATMs. The monthly payment is flexible with a minimum of 5% of your outstanding balance. This type of personal loan is perfect if you want to always have the money ready to use whenever an emergency arises, or you need extra cash on hand to realise your dream.
A personal loan funds are flexible and can be used according to your needs in a number of ways including home repairs, travel, weddings, and medical bills, as well as other personal responsibilities
Top tip: If your loan application has been rejected by the bank, it is advised that you wait at least 6 months before applying for the next loan.
The Thaiger will assists you in making more informed decisions by ensuring total transparency of information. Through registering with The Thaiger, you will be able to find the best fit for yourself as well as the best offers for your needs. As we all know, you’ll need to do some research to find the right Personal loan for your situation, this guide will take you through all of the details so you can pick the best personal loan.
Prepare for a better and healthy future and help yourself in an emergency with the following loans.
A home loan simply means a sum of money borrowed from a financial institution or bank to purchase a house, learn the difference between home loans and mortgage loans.
A car loan is lent to someone who wishes to borrow a sum of money in order to purchase a car, the car loan also ensures that the vehicle acts as collateral
SME loans are specifically designed to meet the needs of small businesses, whether it’s for purchasing machinery or renting a larger office space.
Motorbike loans are mostly guaranteed loans, which means you need collateral to back them up. In this situation, the collateral is usually the motorbike itself
Below are some things you need to know before you apply for UOB personal loans so you can prepare yourself before applying. Note that the requirements stated here are subject to the final decision of the bank.
Applicants must be aged between 20 to 60 years. If you are an employee, you need to have a minimum income of 15,000 THB and 1-year work experience in the same company or profession. If you are a business owner or self-employed, you need to have an income of at least 20,000 THB. You must also have 3 years of work experience in the same business.
If you are an employee, you will need to provide a copy of your ID card or state enterprise employee card/government official card, a copy of payroll slip or original of your salary confirmation letter, a copy of bank statements for the last 6 months, and a copy of your book bank for disbursement.
For business owners or self-employed individuals, make sure to prepare a copy of your ID card, a copy of your business registration certificate for the last 3 months, a copy of your bank shareholder list and percentage of shareholding, a copy of bank statements for the last 6 months, and a copy of book bank for fund transfer.
The interest rate depends on your gross monthly income. It will not exceed 28% per annum.
You can pay your loan in cash or check at the UOB bank counter. You can also choose to use direct auto-debit from your account. The more convenient options are to pay visa internet banking of UOB Thailand. You may also choose to pay at SCB Partner’s Outlet or Bank of Ayudhaya for a fee.
YUOB personal loans don’t require any collateral.
You have chosen a suitable car, negotiate a good price, but you don’t have a substantial amount of savings to pay for it in cash? You probably need a car loan.
A car loan can help you buy your dream car even if you don’t have the cash on hand to pay for it. If you borrow wisely, you can even enjoy spending less than on your car and have the flexibility to fund your other goals.
Yes it is available, Customers can access the Personal Internet Banking service from anywhere in the world with an Internet connection
Funds not more than Baht 50,000/transaction or maximum Baht 300,000/day
You can check by UOB Personal Internet Banking or can call call center
A personal loan allows you to apply for a set loan amount and to repay the amount on a monthly basis. Cashline, on the other hand, helps you to withdraw funds anytime you choose
You can pay it off by Fund Transfer from your UOB account / GIRO arrangement through UOB Personal Internet Banking or UOB Branch or pay By Cash / Cashier’s Order / Cheque
A good or excellent credit score makes Personal loan acceptance quick and easy
