Financing
Yes — most of our cars leave on finance.
A car at this level is rarely a cash purchase, and it does not need to be. We arrange finance with every major Thai bank and finance house, and we handle the paperwork with you rather than sending you away to sort it out.
How it works
01
Tell us the car
Message us about the car you want, or come and see it. We will talk through what a realistic structure looks like for you before anything is submitted.
02
We approach the banks
We work with every major bank and finance house in Thailand, so we can put your application where it is most likely to be approved on good terms — rather than wherever you happen to bank.
03
You choose the terms
Down payment, term length and monthly figure are yours to set within what the bank offers. Most clients settle around 30% down over four to five years.
The usual shape of a deal
- Down payment
- 30% is standard
- Term
- 4–5 years is most popular
- Lenders
- All major Thai banks and finance houses
- Rate
- Typically 2–4% flat, by profile
Every figure here is indicative. The rate, the deposit and the term you are offered depend on your own credentials and the bank's assessment — we will give you a real quote for the car you want, with no obligation.
What would it cost a month?
Approximate monthly payment
฿140,000
- Down payment
- ฿3,000,000
- Amount financed
- ฿7,000,000
- Interest over the term
- ฿1,400,000
- Total paid
- ฿11,400,000
Calculated at 4% flat — the conservative end of current rates. Your own rate, deposit and term depend on your profile and the bank's assessment, so treat this as a guide and let us quote you properly.
Monthly payments by price
At 30% down, calculated at 4% flat. A guide to the shape of a deal — your own quote depends on your profile.
| Car price | 30% down | 48 months | 60 months | 72 months |
|---|---|---|---|---|
| ฿5,000,000 | ฿1,500,000 | ฿84,583 | ฿70,000 | ฿60,278 |
| ฿10,000,000 | ฿3,000,000 | ฿169,167 | ฿140,000 | ฿120,556 |
| ฿15,000,000 | ฿4,500,000 | ฿253,750 | ฿210,000 | ฿180,833 |
| ฿20,000,000 | ฿6,000,000 | ฿338,333 | ฿280,000 | ฿241,111 |
| ฿30,000,000 | ฿9,000,000 | ฿507,500 | ฿420,000 | ฿361,667 |
| ฿40,000,000 | ฿12,000,000 | ฿676,667 | ฿560,000 | ฿482,222 |
Common questions
How much deposit do I need?
30% is the usual starting point on a car of this kind. A stronger profile can sometimes put down less, and a larger deposit will bring your monthly figure down and often improve the rate you are offered.
What interest rate will I pay?
Rates currently run around 2–4% flat, depending on your profile, the car and the lender. Flat means interest is calculated on the full financed amount for the whole term, which is how Thai car loans are normally quoted — ask us and we will show you the total, not just the rate.
Can I use my current car as the deposit?
Yes. We take trade-ins, and the value of your car can go straight into the down payment. Bring it with you and we will value it against the car you are looking at.
Can foreigners get finance in Thailand?
It depends on your circumstances — work permit, visa status and income history all matter to a lender, and some banks are more comfortable than others. Talk to us before you assume the answer is no; placing the application well is most of the job.
How long does approval take?
It depends on the lender and how complete your documents are. Message us with the car you are interested in and we will tell you what to prepare and what to expect.
Ask what your car would look like on finance.
Tell us the car and roughly what you have in mind. We will come back with real numbers from a real lender.