Company Overview

With the experience of over three decades in lending, Ngern Tid Lor Public Company Limited (“NTL”) has firmly established itself as the leader in the microcredit sector and has become much more than just a loan provider. Our mission to make fund sourcing faster, simpler, transparent, and more approachable has already helped over 4,000,000 recipients.

Our typical clients are self-employed microentrepreneurs who have poor, thin, or no credit history - but need to borrow money for productive uses. They often experience difficulty obtaining credit from banks and other established financial institutions. As the leading auto-for-cash loan provider, we pride ourselves on a personable approach to providing reliable cash loans. NTL represents a unique blend between professional financial services and community relationships. Our clients benefit from the peace-of-mind associated with borrowing from a large and reliable financial institution and from the speed and reach of informal lending.

With over 1,700 branches nationwide, we are highly accessible to all. In each of our branches, our friendly and knowledgeable staff are always eager to help.

The company is also a non-life insurance broker with the biggest branch network in Thailand. Through an extensive branch network, Ngern Tid Lor offers a wide range of products from personal accident to motor vehicle insurance, all at highly competitive prices. We analyze and carefully select our products from Thailand’s top insurance companies to ensure the best possible value for our customers.

Our shareholders are a source of strength for us. As an affiliate of Bank of Ayudhya Public Company Limited (Krungsri), which is a strategic member of Mitsubishi UFJ Financial Group (MUFG), one of the world’s largest financial groups, Ngern Tid Lor offers the security, stability and the high standards you would expect from such renowned institutions.

Our platform was further strengthened in 2019 with the addition of CVC Capital Partners, a global private equity firm, and 9 Basil domestic private equity firm, to our shareholding. These international and domestic institutional investors , together with Krungsri, bring a combination of global expertise and local strength, which benefit us in new technologies, operational best practices and business development opportunities to help Ngern Tid Lor innovate and grow to better serve Thailand’s long-tail segment.

In 2021, we became a listed company on the Stock Exchange of Thailand. Our IPO was the largest IPO in the Finance and Securities Sector and one of the top five largest equity IPOs in Thailand. This opportunity allows us to further expand our reach and solidify our position as a leading financial services provider in Thailand.

With company values that are based on high standards, transparency and a positive approach to finding solutions we offer a competitive alternative to less legitimate financial solutions. Our aim is to enrich the quality of life for our clients by providing financial assistance and insurance cover through a range of products and services that they may find difficult to come by elsewhere. We firmly believe that uncomplicated access to micro-finance, together with financial education, helps in the battle against poverty and in the long term development of the Thailand’s economy.

Corporate Vision


we wake up and come to work every day.

“At Ngern Tid Lor, in everything we do, we strive to empower people and enrich lives. We believe that access to fair, transparent, and responsible financial services is everyone's right.”


we plan to make the world a better place.

“We deliver financial betterment by offering relevant products and services that are simple to understand, convenient, and fast through our committed employees.”

Thank you for trusting us as your financial companion

Awards & Recognition

The Finance Company of the Year
The Finance Company of the Year

The Asian Banking & Finance 2022

Best Companies To Work For In Asia
Best Companies To Work For In Asia

HR Asia 2022

Best Digital Employee Engagement Initiative or Programme
Best Digital Business Model Initiative/Application

The Asian Banker 2021

Ngern Tid Lor Achievements

The Banker
  • Financial Inclusion (Winner) 2012
IDC Financial Insights
  • Asia’s Leader in Financial Inclusion 2015
  • Asia’s Leader in Financial Inclusion 2018
IDC Future Enterprise
  • Best in Future of Intelligence Thailand 2021
  • CEO of the Year 2022
International Finance
  • Best Micro Finance Bank 2018
Retail Banker International
  • Best Initiative in Financial Inclusion 2018
  • Excellence in Business Model Innovation 2018 (Highly Commended)
  • Excellent in Employee Engagement 2019
  • Best Retail Bank Thailand 2021 (Highly Commended)
  • Best App for Customer Experience 2021 (Highly Commended)
  • Best Application of Data Analytics 2021 (Highly Commended)
  • Best Use of Machine Learning 2021 (Highly Commended)
  • Best Marketing Campaign 2021 (Highly Commended)
  • Best Benefits, Wellness and Well-Being Program
The Asian Banker
  • Microfinance Business of the year 2017
  • The Best Digital Financial Inclusion Initiative, Application or Programme 2018
  • The Best Employee Engagement Initiative, Application or Programme 2018
  • The Best Employee Engagement Initiative, Application or Programme 2019
  • Best Digital Business Model Initiative/Application in Thailand 2021
  • Best Insurance Technology 2023
The Digital Banker
  • Outstanding Financial Inclusion Initiative 2018
  • Best New Product Launch 2018 (Highly Commended)
Digital CX Awards by The Digital Banker
  • Most Innovative Digital Innovation in Financial Inclusion 2020 (Winner)
  • Outstanding Leadership in Customer Experience – Team 2020 (Winner)
  • Outstanding CX in Digital Sales Strategy 2021 (Winner)
  • Best Use of Data and Analytics for CX 2021 (Highly Acclaimed)
Global Retail Banking Innovation by The Digital Banker
  • Best Customer Centric Business Model - B2B2C 2022
  • Best Customer Centric Business Model 2023
Global Banking and Finance Review
  • Excellence in Innovation - Insurance Broker Thailand 2022
Asian Technology Excellence
  • Thailand Technology Excellence Award for API - Financial Services 2022
World HRD Congress
  • Dream Employer of the Year 2020
  • Dream Company To Work For 2020
  • Dream Employer of The Year 2021
  • Best Employer Brand Awards 2021
  • Best Employer Brand Awards 2022
  • Best Employer Brand Awards 2023
  • HR Asia Best Companies To Work For In Asia Award 2022
The Asian Banking & Finance
  • Finance Company of the Year – Thailand 2021
  • Finance Company of the Year- Thailand 2022
  • Insurance Product Innovation of the Year–Thailand 2022
Alpha Southeast Asia
  • Best Equity/IPO Deal of the Year in Southeast Asia 2021
  • Sustainability - Bronze EcoVadis Medal 2022
  • KAIZEN™ Award Thailand 2nd Edition 2023
  • Thailand’s Most Admired Brand 2019
  • Thailand’s Most Admired Brand 2020
  • Thailand’s Most Admired Brand 2021
  • Thailand’s Most Admired Brand 2022
  • Thailand’s Most Admired Brand 2023
  • Thailand’s Most Admired Brand 2024
Marketing & Advertising Award
  • Cannes Lions Award 2011
  • B.A.D Award : Best of TVC (Silver) 2011
  • B.A.D Award : Best of Show (Gold) 2011
  • MAT Award 2012
  • ADFEST Lotus Award (Sliver) 2017
  • Adman Awards & Symposium – Film (Gold) 2017
  • B.A.D Award : Online Film (Gold) 2017
  • Adman Awards & Symposium – Film (Gold) 2018
  • Adman Awards & Symposium – Film (Bronze) 2018
  • Adman Awards & Symposium – Film (Gold) 2019
  • THAILAND ZOCIAL AWARDS : Best Brand Performance on Social Media (Financial Service) 2019
  • Adman Awards & Symposium – Film (Bronze) 2020
  • Adman Awards & Symposium – Film (Bronze) 2021
  • THAILAND ZOCIAL AWARDS : Best Brand Performance on Social Media (Financial Service) 2022
  • MAT Award - Innovations & Martech (Silver) 2021
  • THAILAND SOCIAL AWARDS- Best Brand Performance on Social Media (Financial Service) 2023
  • Future Ahead and Awards -Most Innovative Financial Service (Leasing) 2024
  • THAILAND SOCIAL AWARDS-Best Brand Performance on Social Media (Financial Service) 2024
  • Marketeer No.1 Brand Thailand (Vehicle Title Loan) 2024