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MoneyThunder

The first end-to-end fully automated micro-lending app in Thailand

We believe in growing with our customers, so our product suite addresses customer needs throughout their lifecycle as they first gain access to a formal loan to having a well established credit history.

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Impactful Business Growth

20 M+

times of mobile app

downloads

81%

Customer Satisfaction Score

30%

of our borrowers

previously denied bank loan

1/3

of our borrowers transited from predatory lenders.

3

times lower NPLs than industry average historically

Beauty Youtuber

Starter loan

A gateway product suitable for borrowers building credit history for the first time. Users only need a national ID and a smartphone to apply.​

At the Coffee Shop

Micro loan

Small loan for business operations aiming at thin-file borrowers. Our proprietary AI engine is used to evaluate alternative data to improve financial access to this group of customers. Flexible repayment contracts are available as fixed installments or a revolving line of credit.

Working from Home

Personal loan

Larger loan for personal consumption purposes. This product serves customers who have graduated from smaller loan products with some established credit history. We continue the use of alternative data technology to ensure high accessibility and convenience of an end-to-end digital design.

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Convenient
and accessible

24/7

No physical docs required

Quick loan decision

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Flexible

loan term

Tenor up to 60 months

No pre-payment or late fee

Revolving feature

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Delights for

good behavior

Credit line top-up

Loyalty points

Referral benefits

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How we solve 

customers' pain points

Credits top-ups

Small loans due to lack of credit history

For customers with good repayment behaviors

Slow, paper-based loan process

Fast & convenient

With ACT, the time from initial registration through to loan disbursement averages  10-minute loan approval time, 
no paperwork, entirely digital

Denied by banks, exploited by predatory lenders

Alternative data 
& AI risk analysis

Enabling money access for low-income and thin-file people

Flexible loan programs

Irregular income & financial emergency

Helping customers navigate their 
life’s challenges

In-app financial literacy content 
& gamification

Lack of financial knowledge to manage their debts

To build financial discipline and grow 
their credit

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Our innovation is being globally recognized

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