Ngern Tid Lor review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ngern Tid Lor suits Thai car owners who need a registration loan secured on their vehicle. Fixed rates of 12% to 24% APR, terms of 12 to 60 and THB 20,000 borrowed, plus 3 THB per app loan transfer, make the total easy to plan, though eligibility is tied to job tenure and vehicle age.

Key facts

Best for
Car and pickup owners in Thailand needing a registration loan against the vehicle.
APR
12% to 24% (Source, checked September 26, 2026)
Loan amount
THB 20,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Arrangement fee
3 THB per app loan transfer (Source, checked September 26, 2026)
Funding time
Instant transfer of loan proceeds via the app; decision within 1 hour when documents are complete (Source, checked September 26, 2026)
Representative example
Car/pickup registration loan of 20,000 THB over 24 months at 1.13% per month flat (equivalent to 24% per year reducing balance): average installment 1,078 THB, total interest 5,267.65 THB, total repayable 25,267.65 THB (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Thai individuals aged 21-68, own a car or pickup not older than 20 years, employed, permanent staff or self-employed with at least 6 months in the current job (Source, checked September 26, 2026)
Loan types
Secured, Car (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Legal entity
Ngern Tid Lor Public Company Limited (Source, checked September 26, 2026)
Headquarters
Thailand (Source, checked September 26, 2026)
Founded
1980 (Source, checked September 26, 2026)
Support channels
Phone, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
tidlor.com

Apps and profiles

Elsewhere
WikidataLinkedInyoutube.com

Pros and cons

Pros

  • Fixed rates of 12% to 24% APR, so installments do not move with the market
  • Terms of 12 to 60 give room on a vehicle registration loan
  • Free early repayment, so settling early costs nothing extra
  • Same-day transfer of loan proceeds through the app once documents are complete

Cons

  • A flat monthly rate sits on top of the headline 12% to 24% APR, so the representative example costs more than the annual figure alone suggests
  • Eligibility requires a minimum age, a job tenure of a set length and a vehicle within a set age limit
  • Support runs on phone and chat only, so there is no written help centre or email route

Ready to try Ngern Tid Lor?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Thai car or pickup owners using the vehicle as security
  • Permanent staff and self-employed applicants with enough job tenure to qualify
  • Borrowers who want a fixed installment they can plan around

Who should look elsewhere

  • Cashspace, Creduma ES and Sofkredit all sit in other markets, so their rates and currencies do not apply
  • Anyone borrowing without a qualifying car or pickup to secure the loan
  • Borrowers needing an unsecured personal loan, since the products here are secured

Safety and regulation

No regulator or licence is listed for Ngern Tid Lor, so there is no protection scheme to name. What is on record is structure: it is a direct lender, which removes a broker layer between borrower and money, and the pricing is set out in a representative example rather than left open. That example shows a car or pickup registration loan at a flat monthly rate on top of 12% to 24% APR.

Who runs it

Ngern Tid Lor is run by Ngern Tid Lor Public Company Limited, based in Thailand, and has been operating since 1980. It lends directly rather than through a broker network. Contact runs on phone and chat, covering phone and chat, so questions are quicker by call than in writing.

How Ngern Tid Lor compares

Where Ngern Tid Lor is available

Available
Thailand

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Ngern Tid Lor car loan?+

Headline pricing is a fixed rate of 12% to 24% APR on a fixed-rate model. The representative example prices a car or pickup registration loan at a flat rate each month, which sits on top of the annual figure, so the flat rate is the number that drives your installments.

How much can I borrow and over how long?+

Loan amounts run to THB 20,000 and terms run 12 to 60, giving a spread of repayment periods on the same fixed rate. The representative example shows a registration loan of that size repaid over the shorter end of the range with regular installments.

Are there fees on top of the interest?+

There is an origination fee of 3 THB per app loan transfer. Beyond that, the representative example sets out the interest and the total repayable in clear figures, which makes the full cost of the loan readable before you commit to it.

Can I repay the loan early?+

Yes. Free early repayment is available on these car and pickup loans, so settling ahead of schedule does not add a charge. That makes overpaying after a good month a cheaper way to clear the balance early.

Who qualifies for a loan?+

Eligibility is aimed at adults within a set age range who own a car or pickup that is not too old, and who are employed as permanent staff or self-employed with enough time in the current job. The vehicle age limit and the job tenure requirement are both part of the test.

What credit history do I need?+

The stated credit requirement is fair, which sits in the middle of the range rather than at the top. It is a lending standard to meet rather than a promise, and the vehicle itself does much of the work in a secured registration loan.

How do I contact Ngern Tid Lor?+

Support runs on phone and chat, covering phone and chat. There is no listed email or written help centre, so a call is the quickest way to get an answer on an application that is in progress.

Sources

  • tidlor.com/th checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “428 Ari Hills Building, Phahonyothin Road, Samsen Nai, Phaya Thai, Bangkok 10400”

  • tidlor.com/th/about-us/background checked September 26, 2026

    Backs: Founded

    “1980: started the vehicle registration-book loan business in Phetchabun province as Srisawat Phetchabun Co., Ltd.”

  • tidlor.com/th/loan/calculator checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Rate type, Representative example, Term

    “Example: customer applies for a car/pickup registration loan of 20,000 THB”

  • tidlor.com/th/loan/car checked September 26, 2026

    Backs: Credit needed, Eligibility, Free early repayment, Funding time, Loan types

    “The approved amount depends on the make, model and year of the vehicle, the income and the qualifications of the borrower”

  • tidlor.com/th/loan/tidlor-card checked September 26, 2026

    Backs: Features

    “Apply once, have a reserve credit line for emergencies, no interest if unused; transfer money via the Tidjai app or withdraw cash from any ATM at any time”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Ngern Tid Lor

Car and pickup owners in Thailand needing a registration loan against the vehicle.

9.1/10See alternatives

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