วงเงินคล่อง-วงเงินหมุนเวียน
Android app by PT COOLFUNNY MULTI JAYA. Finance · PT COOLFUNNY MULTI JAYA
- Store rating
- Unknown
- Store rating count
- Unknown
- Download price
- Free to download
- In-app purchases
- Not listed in captured metadata
- Version
- VARY
- Listing last refreshed
- 2026-09-13
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Store description excerpt
How it Works: We use a Big Data-based risk management model to assess your loan value from multiple dimensions, such as personal information, spending habits, and past credit history. We then provide you with an appropriate loan amount. How it Differs from Traditional Loans: Unlike typical loan apps that put you in debt immediately after activation, with a flexible credit line, once you've been assessed and received your loan amount, there are no charges if you don't withdraw or use the funds. It's like having a "reserve fund" readily available without creating unnecessary debt. Fees and Regulations: Interest only starts accruing when you need and actually withdraw the loan amount. We call this "Assess First, Use Later, Pay Only As You Use"—a financial model that provides peace of mind and greater flexibility. Why Choose a Flexible Credit Line? Because it better meets the lifestyle needs of modern people, alleviates financial liquidity problems when you need cash, helps avoid unnecessary interest charges when you don't need it, and allows you to manage your personal finances more effectively. Product Highlights: Easy Application: Simply provide identity verification documents to apply. Fast Process: Easy and hassle-free approval. Freedom of Use: Withdraw anytime, anywhere; the amount is up to you. Comprehensive Service: Our customer service team is available to assist you at all times. Data Security: We use strong encryption technology to protect your privacy. Loan and Repayment Details: Withdrawal period can be selected from 91 days to 365 days. Withdrawal Amount: Minimum 1,000 THB, Maximum 45,000 THB. Daily Interest Rate: 0.05% (Maximum annual interest rate 18.25%) Withdrawal Fee: 3% of the amount withdrawn each time. Regarding Renewal and Early Repayment: If you wish to extend the loan period (e.g., from 120 days to 180 days), interest will still be charged on the extended period at a rate of 0.05% per day. If you repay early (e.g., originally scheduled for 120 days but repaid within 30 days), interest and fees will only be charged for the actual number of days used. Example of withdrawal calculation: Assume you withdraw 10,000 baht for a period of 120 days at an annual interest rate of 18.25%: Daily interest rate = 18.25% ÷ 365 = 0.05% Daily interest = 10,000 × 0.05% = 5 baht Monthly interest = 5 × 30 = 150 baht Monthly payment amount = (10,000 ÷ 4) + 150 = 2,650 baht Total interest = 150 × 4 = 600 baht Total payment upon maturity (after 120 days) = 10,000 + 600 = 10,600 baht Withdrawal fee = 10,000 × 3% = 300 baht Amount actually received by the user = 10,000 - 300 = 9,700 baht The user will receive 9,700 baht. 10,600 THB and must be repaid within 120 days. If the user repays before the due date, the system will calculate the payment amount based on the actual number of days used. Application Requirements: Applicants must be at least 18 years of age (minors cannot apply) and must have valid and unexpired identification documents.
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