ยืมสบาย

Regulated loans

The "Yom Sabai" application is developed and provided by Skylink Technology Co., Ltd., a licensed provincial-level microfinance provider (PICO Finance) under the supervision of the Ministry of Finance. We are committed to providing convenient, fast, and reliable loan services to meet the diverse financial needs of all users.

Loan Product Details
Maximum Loan Amount: 50,000 THB (depending on credit history and income)
Maximum Annual Interest Rate (APR): 18.25% - 36% (Effective Rate calculated on a reducing balance basis)
Repayment Period: Choose from 91 days - 180 days
Conditions: No collateral required
All loan services are provided directly by Skylink Technology Co., Ltd.

Loan Calculation Example
(To help you plan your finances more easily)
If your loan amount of 36,000 baht is approved, the repayment period will be 4 installments of 30 days each (total 120 days). The interest rate is 0.04% per day, and the interest rate per installment will be 1.2% (calculated from 0.04% × 30).
Details of each installment payment:
• Installment 1 (30 days): Payment of 9,271.61 baht (principal reduction 8,839.61 baht | interest 432.00 baht)
• Installment 2 (30 days): Payment of 9,271.61 baht (principal reduction 8,945.69 baht | interest 325.92 baht)
• Installment 3 (30 days): Payment of 9,271.61 baht (principal reduction 9,053.03 baht | interest 218.58 baht)
• Installment 4 (30 days): Payment of 9,271.61 THB (Principal reduction: 9,161.67 THB | Interest: 109.94 THB)
Total contract amount:
• Principal: 36,000 THB
• Total interest: Approximately 1,086.44 THB (Calculated using the reducing balance method based on the actual remaining principal balance)
• Total amount to be repaid: 37,086.44 THB
(Note: The above figures are just examples of calculations. Actual payment amounts may vary slightly depending on the number of days in each month and the date the money is received.)

Why choose YungSabai?
Legal and trustworthy: The company is under the supervision of the Ministry of Finance and related agencies. Interest rates are transparent and verifiable.
Easy application: No collateral required, such as a house or car. Only a phone number and ID card are needed to apply.
Personal data protection: Strictly comply with personal data protection laws. Data is encrypted throughout the process.
Flexible repayment: Choose from various repayment periods. Borrow according to your needs and repay according to a plan that suits you.
Customer service: Online customer service is available. Ready to assist and answer your questions every day.

Application Guide:
Registration: Download the BorrowSabaai application via Google Play, then use your mobile phone number to register and access our application.
Fill in: Fill in your personal and bank account information according to the steps and verify your identity.
Confirmation: Select your loan amount and confirm your payment plan.
Receive Money: Upon approval, the money will be transferred to the bank account you specified within 24 hours.

Application Requirements:
Loan applicants must be Thai citizens.
Must be 20 years of age or older.
Must have a regular income or continuous income from employment.

Payment and Security Statement:
Repayment Process: Please make payments via the QR Code within the application. The system will automatically record the payment.
Beware of Scammers: BorrowSabaai will not charge any fees or ask users to transfer money to any personal account. Please beware of scams.
Transparent and Verifiable: The company does not charge any hidden fees or charges before transferring the loan money.

Company Contact Information:
Company Name: Skylink Technology Co., Ltd.
Company Address: 500/45 Moo 2, Mae Hia Subdistrict, Mueang Chiang Mai District, Chiang Mai Chiang Mai Province 50100
Official Website: https://skylink.co.th/
Email: customerservice@skylink.co.th
LINE Customer Service: LINE @yuemsabuy
Online Contact Channels: You can contact us through the “Contact Customer Service” menu within the application.