SCB My Car My Cash
This auto loan from SCB allows Thai nationals to borrow between THB 100,000 and THB 5 million, with competitive APR rates starting at 2.99%.
Last checked on June 10, 2026. We may earn a commission when you click through.
SCB My Car My Cash
Updated 4 months agoAPR Range
2.99–10.0%
Amount
฿100k–฿5M
Term
12–84 months
Type
auto
You'll be redirected to scb.co.th
Our Verdict
SCB My Car My Cash offers a robust option for car owners needing financial flexibility, particularly with its low starting APR.
Best For
It's ideal for Thai nationals looking to leverage their vehicle for cash without losing access to it.
Watch Out
Be aware that the best rates apply only to cars registered between 2024 and 2026, limiting options for older vehicles.
Pros
- Low starting APR at 2.99%
- Fast online approval process
- High loan limits up to THB 5 million
Cons
- Best rates apply only to newer cars
- Requires Thai nationality or work permit
- Potentially high APR for riskier profiles
Full Review
For those looking to tap into their car's value, SCB My Car My Cash offers a compelling solution. With APR rates ranging from 2.99% to 10%, borrowers can find a suitable plan for their needs. The minimum loan amount is THB 100,000, going up to THB 5 million, making it versatile for various financial situations.
The approval process is fast and online, appealing to those needing quick access to funds. However, the requirement for Thai nationality or a work permit may exclude some potential borrowers. Additionally, only cars registered between 2024 and 2026 qualify for the most favorable rates, which could deter older vehicle owners.
Customer service is generally reliable, but experiences can vary. We recommend checking the official site for any hidden fees or specific conditions that could affect your loan. Compared to other lenders like Krungthai Bank, SCB's rates might be more appealing, especially for newer vehicles.
Overall, this loan can be a viable option for those who meet the criteria and need cash.
Who Is This For?
This loan is designed for Thai nationals who own newer vehicles and need quick access to cash.
What Borrowers Say
Customers generally appreciate the fast approval process but note limitations for older vehicles.
Summary
SCB My Car My Cash is a strong contender for auto loans in Thailand, particularly for those with newer cars seeking flexible financing.
About This Loan
Requirements
- Thai nationality or work permit
- Minimum age 20
- Car registered 2024-2026 for best rates
Similar options
TTB Personal Loan
PersonalAPR
9.99–25.0%
Amount
฿15k–฿1.5M
Term
12–60mo
Best for: This loan is best for individuals looking for a straightforward personal loan with manageable repayment options.
APR
2.99–7.0%
Amount
฿100k–฿3M
Term
12–84mo
Best for: Ideal for Thai residents aged 20-65 seeking flexible car financing with a fast approval process.
Krungthai Personal Loan
PersonalAPR
12.0–25.0%
Amount
฿20k–฿5M
Term
12–60mo
Best for: This loan is best for individuals looking for reliable funding options for personal expenses or emergencies.
APR
1.98–5.25%
Amount
฿50k–฿3M
Term
12–84mo
Best for: This loan is best for those seeking competitive interest rates and personalized service in the car financing space.
APR
14.0–25.0%
Amount
฿20k–฿2M
Term
12–60mo
Best for: Ideal for individuals seeking quick access to funds for personal projects or emergencies, with easy application processes.
CIMB Thai Personal Loan
PersonalAPR
13.0–25.0%
Amount
฿20k–฿1M
Term
12–60mo
Best for: Individuals earning at least THB 15,000 per month who need a personal loan without collateral.