Updated September 28, 2026 · BorrowCue Editorial Team
Ngern Tid Lor vs wertfaktor
What sets them apart
| Compare | Ngern Tid Lor ReviewSee alternativesSee alternatives |  wertfaktor |
|---|---|---|
| Term | 12 to 60 months | 120 to 360 monthsHigher |
| Arrangement fee | 3 THB per app loan transfer | Durchfuehrungsentgelt of 3.3% of the property value, deducted from the final payout on the complete sale |
| Funding time | Instant transfer of loan proceeds via the app; decision within 1 hour when documents are complete | Fast payout (Schnellauszahlung) after the notary appointment |
| 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 | Property worth 500,000 EUR, payout of 125,000 EUR (25%); after deducting the 3.3% Durchfuehrungsentgelt and assuming 2.5% annual value growth you receive a further 458,911 EUR after 10 years |
| Rate type | Fixed | Variable |
| 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 | Germany only; partial sale of at most 50% of the property; occupied or tenanted properties accepted |
| Loan types | Secured, CarCovers more | Secured |
| APR | 12% to 24% | Not confirmed |
| Loan amount | THB 20,000 | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 3.3% |
| Credit needed | Fair | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Ngern Tid Lor scores higher overall: 9.1 vs 8.8.
- Founded is lower at Ngern Tid Lor: 1980 vs 2018.
- Term is higher at wertfaktor: 120 to 360 months vs 12 to 60 months.
- Support channels: only Ngern Tid Lor offers Chat.
- Support channels: only wertfaktor offers Email, Help centre.
- Loan types: only Ngern Tid Lor offers Car.
Our verdict on each
Ngern Tid Lor
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.
wertfaktor
wertfaktor suits German homeowners who want to raise cash without moving, by selling part of the property rather than remortgaging it. The payout follows the notary appointment, and terms run 120 to 360 on the share you sell, with Fast payout (Schnellauszahlung) after the notary appointment once the paperwork is done.
Score breakdown
| Area | Ngern Tid Lor | wertfaktor |
|---|---|---|
| Cost | 9.0Higher | 8.3A free product fee, an arrangement charge of 3.3% settled at completion, and borrowing capped at 50% of the property value. |
| Offer | 8.9Car and pickup registration loans with 12% to 24% APR, 12 to 60 terms. | 9.6Higher |
| Trust | 9.4Higher | 8.7 |
Pick Ngern Tid Lor if, pick wertfaktor if
Pick Ngern Tid Lor if cost, trust, and loan types matter most.
Pick wertfaktor if offer and term matter most.
A third option
CreditPlus UA has term at 345 to 365 months, against 12 to 60 months for Ngern Tid Lor and 120 to 360 months for wertfaktor.
CreditPlus UA reviewSources behind this comparison
Ngern Tid Lor
- tidlor.com: 18 facts, checked September 26, 2026
wertfaktor
- wertfaktor.de: 14 facts, checked September 26, 2026
How they place
| Ranking | Ngern Tid Lor | wertfaktor |
|---|---|---|
| Secured loans | 168 of 473 | 302 of 473 |
Every fact side by side
| Fact | Ngern Tid Lor | wertfaktor |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Ngern Tid Lor Public Company Limited | wertfaktor Immobilien GmbH |
| Headquarters | Thailand | Germany |
| Founded | 1980Lower | 2018 |
| Support channels | Phone, Chat | Phone, Email, Help centre |
Mortgages
| Fact | Ngern Tid Lor | wertfaktor |
|---|---|---|
| Maximum loan to value | Not confirmed | 50% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Equity release |
Where each stands against the rest
| Fact | Ngern Tid Lor | wertfaktor | Median |
|---|---|---|---|
| APR | 12% to 24%above the median | Not confirmed | 8.99 |
| Loan amount | THB 20,000below the median | Not confirmed | THB 100,000 |
| Term | 12 to 60 monthsat the median | 120 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 3.3%highest quarter | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Ngern Tid Lor
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
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
wertfaktor
Pros
- The arrangement charge of 3.3% is deducted from the final payout rather than collected at the start.
- The product fee is free, and support runs on phone, email and help centre.
- Payout timing is clearly set out: Fast payout (Schnellauszahlung) after the notary appointment.
Cons
- Borrowing stops at 50% of the property value, well below the 90% seen across secured lenders.
- The rate is variable, so the cost of the money follows the market.
- Payout timing depends on the notary appointment: Fast payout (Schnellauszahlung) after the notary appointment.
Who each suits
Ngern Tid Lor
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
wertfaktor
Who it suits
- German homeowners who want cash without moving or remortgaging.
- Owners of a home they live in or let, since the eligibility rules accept occupied and tenanted property.
- Owners who will sell the remaining share later, when the arrangement charge is settled.
Who should look elsewhere
- Anyone outside Germany, as the property sale covers a single market.
- Owners who need the whole property value, since only a capped share at 50% is released.
- Borrowers who want a loan rather than a sale, such as Sofkredit at 6 to 240.
Current offers
Ngern Tid Lor
Current offer
Bonus
Free personal accident insurance for new motorcycle registration loan customers: Free, coverage up to 200,000 THB
New motorcycle registration loan customers; conditions as set by the company
Source, checked September 26, 2026
Discount code
Pay in full, pay directly and receive an interest discount on car and motorcycle registration loans: Interest discount on early full repayment
Source, checked September 26, 2026
Country by country
| Country | Ngern Tid Lor | wertfaktor |
|---|---|---|
| Germany | No | Yes |
| Thailand | Yes | No |
Questions about each
Ngern Tid Lor
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.
wertfaktor
What is wertfaktor offering?+
It is a equity release product, sold as secured lending: you sell part of a property and get a payout against the home. The buyer of that share is what funds the money, so the property itself carries the arrangement.
How much can I borrow against my home?+
The ceiling is 50% of the property value, which is the share that can be sold. Terms then run 120 to 360, so the balance is settled across a long stretch and the remaining share is sold at the end.