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Where this app stands in Thailand, updated 16 Oct 2026
Top free · Finance
#18 –
Top grossing
Not in this chart today
Top paid
Not in this chart today
| Date | Free |
|---|---|
| 16 Oct 2026 | #18 |
| 15 Oct 2026 | #18 |
| 14 Oct 2026 | #20 |
| 13 Oct 2026 | #22 |
| 12 Oct 2026 | #23 |
| 11 Oct 2026 | #29 |
| 10 Oct 2026 | #24 |
| 9 Oct 2026 | #23 |
| 8 Oct 2026 | #18 |
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Spe Lending Center is committed to providing convenient, transparent, and regulated personal financial services to users. Spe Lending Center is developed and operated by NTT DATA PAYMENT SERVICES (THAILAND) COMPANY LIMITED. The platform's maximum annual interest rate (APR) is 14.6%, with a loan term of 93 days. The platform is licensed to provide lending services by the Bank of Thailand (BOT) under regulatory supervision. Interest rates and fees are displayed transparently. Our Highlights: Easy Application and User-Friendly: Apply for all loans online without collateral or complicated documents. The process is simple and can be completed in just a few steps. Fast Approval and Disbursement: Our intelligent risk assessment system reduces processing time and accelerates loan disbursement. Transparent and No Hidden Fees: Loan amount, interest rate, term, and related charges are clearly displayed before application. Flexible Loan Amount and Repayment Period: Loan amounts are assessed based on the user's financial status, with multiple repayment plans to choose from. High Security: Protecting Personal Data: We comply with personal data protection laws and standards, using multi-layer encryption technology to secure data. Legal and Reliable Operation: The platform operates legally with clear procedures and agreements to protect user rights. Loan Examples: Maximum Loan Amount: 40,000 THB Repayment Period: 93 days Daily Interest Rate: 0.04% Annual Rate (APR): 14.6% Example Loan: If you apply for a loan of 40,000 THB with a repayment period of 93 days and a daily interest rate of 0.04%: Total Interest over 93 days: 40,000 THB × 93 days × 0.04% = 1,488 THB Total Amount to be Repaid: 40,000 THB + 1,488 THB = 41,488 THB Loan Application Process Register and Log In: Register and log in with your mobile phone number to secure your account and verify your identity. Fill Out Loan Application Details: Fill in the required personal information, select the loan amount and repayment period. The information provided must be accurate and truthful. Submit Documents and Consent: Submit the necessary documents as required by the platform and consent to credit and risk assessment. This information is used solely for loan services. System Verification and Evaluation: The platform uses an intelligent risk assessment system to verify applicant information. The verification process is fair and transparent. Confirm the contract and receive the loan. Upon successful verification, users must confirm and accept the loan agreement. The loan will then be transferred to the account specified by the user according to the agreed-upon terms. Eligibility Criteria: Age 20 years or older. Thai citizen with a valid Thai national ID card. Own a bank account in their own name. Able to provide proof of stable income or proof of ability to repay the debt. Supports Transfers/Payments through Multiple Banks: Easy payment within the application. The platform supports payments through multiple banks and offers various payment methods to meet the diverse needs of users. Direct payment with debit card. Payment at bank counters using a reference number. Bank transfers through major banks in Thailand. Legal Compliance and Security: We comply with all applicable laws of Thailand and operate according to the standards set by the following regulatory authority: Bank of Thailand (BOT). Our platform is committed to providing safe, legal, and transparent financial services to all users. We handle users' personal data responsibly and ensure that users have the right to access, correct, or delete their personal data. With strict security and legal compliance measures, users can be confident that our services are safe. Safe and reliable. Contact Us You can contact us through the following channels: Email: advise@nttdatapaymentservices.com Phone: +66 0808001250