Borrowers and the public
Check that a lender is licensed and charges interest within the law.
Supervised provincial microfinance
Borrow legally,
Borrow legally,
close to home
Pico Finance is small-scale credit licensed by the Ministry of Finance as a safe alternative to informal lending. Lenders may charge interest, penalties, service charges and fees totalling no more than 36% a year, and may accept car and motorcycle registration books as collateral.
Most online services and documents on this site are available in Thai only.
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Licence applicants
Prepare documents, submit a business plan and track your application online.
Licensed operators
Submit monthly reports and surveys required under supervision.
Government agencies
Systems for agencies that receive applications and verify data with the FPO.
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Repealed notifications
These notifications have been repealed and are kept for reference only. Please use the current versions under “Laws & notifications”.