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Consolidate Debt to Survive A Solution for Those Who Never Give Up

A lifeline for fighters to keep going
Struggling with credit card, cash advance, personal loan, or car registration debts every month? Why endure heavy payments when you can easily switch to lower installments? With a car or pickup, consolidate all debts into one at Tidlor. Your helper to create more opportunities, breathing room, and survival options.
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Consolidate
debt into one
Why do over 2 million customers choose Tidlor?
Reviews from over 50,000 real customers on Tidlor app
🌟 Trusted by over 2 million customers
📍 Branches nationwide over 1,600 locations
🔍 Interest rate transparent verifiable, no hidden fees
🚀 Fast transferwithin 30 minutes after approval
Why do over 2 million customers choose Tidlor?
Reviews from over 50,000 real customers on Tidlor app
🌟 Trusted by over 2 million customers
📍 Branches nationwide over 1,600 locations
🔍 Interest rate transparent verifiable, no hidden fees
🚀 Fast transferwithin 30 minutes after approval
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Sum Debt Is What?

Debt Consolidation (Balance Transfer) is the process of combining debt or debt from various types of loans, such as credit card debt, personal loans, cash advances, and car title loans, into a single debt to make it easier to manage and get a lower interest rate. This will help reduce monthly repayments and increase liquidity.

Whether you own a sedan or pickup truck, whether you're debt-free or still paying off a loan with a finance company, you can apply for a car title loan with Ngern Tid Lor and join our debt consolidation program. We'll help you clear other debts and start anew, at your own pace. We'll help you maintain a good financial history, and you won't have to worry. Your vehicle can still be used as normal.

Why should I consolidate my debt into one lump sum at Ngern Tid Lor?

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Get a lower interest rate than credit cards, starting at 12% / year and staying at the same rate throughout the loan period

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Pay lower monthly installments with Ngern Tid Lor

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Extend the loan period up to 60 months to ensure you know exactly how long you'll be paying

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Clear your debt and get the difference to increase your liquidity

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Pay once and manage everything in one place! No headaches, multiple payments

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Maintain a good financial history

Consolidate all debts
into one lump sum
Reduced
monthly payments
Debt consolidation at
Ngern Tid Lor
Consolidate credit card debt
into one lump sum
Example

Debt consolidation at
Ngern Tid Lor helps
reduce your burden

avatar
Mr. BeamPrivate company employee

Currently Mr. Beam has
credit card debt,
cash advance and personal loan debt totaling 3 accounts

1Credit card debt
  • Debt amount: 100,000 THB
  • Interest: 16% / year
  • Minimum payment: 8%
Amount: 8,000 THB
2Cash advance debt
  • Debt amount: 80,000 THB
  • Interest: 25% / year
  • Minimum payment: 5%
Amount: 4,000 THB
3Personal loan debt
  • Debt amount: 170,000 THB
  • Interest: 25% / year
  • Repayment period: 60 installments
Amount: 4,990 THB
money iconTotal monthly payment
16,990THB
Mr. Beam brought his sedan to arrange a car title loan at Ngern Tid Lor and joined the debt consolidation program to combine all debts into one lump sum
  • Credit limit: 400,000 THB
  • Cash back amount: 50,000 THB
  • Reducing balance interest rate: 12% / year
  • Repayment period: 54 installments

When switching to us Mr. Beam's new installment is reduced from before

43%Amount:
7,308 THB/month

Monthly payment
after joining debt consolidation programparty

9,682THB/month
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Mr. BoBusiness owner

“Currently Mr. Bo has 3 credit cards“

1Credit card debt 1
  • Debt amount: 120,000 THB
  • Interest: 16% / year
  • Minimum payment: 8%
Amount: 9,600 THB
2Credit card debt 2
  • Debt amount: 50,000 THB
  • Interest: 16% / year
  • Minimum payment: 8%
Amount: 4,000 THB
3Credit card debt 3
  • Debt amount: 30,000 THB
  • Interest: 16% / year
  • Minimum payment: 8%
Amount: 2,400 THB
money iconTotal monthly payment
16,000THB
Mr. Bo brought his sedan to arrange a car title loan at Ngern Tid Lor and joined the debt consolidation program to combine all debts into one lump sum
  • Credit limit: 350,000 THB
  • Cash back amount: 150,000 THB
  • Reducing balance interest rate: 12% / year
  • Repayment period: 60 installments

When switching to us Mr. Bo's new installment is reduced from before

51%Amount:
8,163 THB/month

Monthly payment
after joining debt consolidation programparty

7,837THB/month

Compare clearly
Debt consolidation at Ngern Tid Lor
saves you more!

Loans elsewhere
Credit card

Credit card

  • Interest rate 16% per year
  • Minimum payment 8%
After consolidating at Ngern Tid Lor
  • Interest rate 12% per year
  • If paying over 60 months, installment equals 2.24% of outstanding balance
Save
mark circle72%
Only28%of original
installment
Loans elsewhere
Personal loan

Personal loan

  • Interest rate 25% per year
  • If paying over 48 months, installment equals 3.32% of outstanding balance
After consolidating at Ngern Tid Lor
  • Interest rate 12% per year
  • If paying over 60 months, installment equals 2.24% of outstanding balance
Save
mark circle32%
Only68%of original
installment
Loans elsewhere
Cash advance card

Cash advance card

  • Interest rate 25% per year
  • Minimum payment 5%
After consolidating at Ngern Tid Lor
  • Interest rate 12% per year
  • If paying over 60 months, installment equals 2.24% of outstanding balance
Save
mark circle55%
Only45%of original
installment

Applicant RequirementsApplicant Requirements

  • General individuals aged 21-70 years
  • Own sedan/pickup truck, vehicle age not exceeding 22 years
  • Employee, permanent staff, or self-employed with current work experience of 6+ months

Required DocumentsRequired Documents

  • 1Original ID card
  • 2Original vehicle registration or copy (if still paying finance)
  • 3Income documents as per company conditions
  • 4Statement and Pay-in slip from financial institution for debt consolidation

Want to consolidate debt at Tidlor?
How to do it?

If you have a car or pickup truck and outstanding debts with 2 or more other financial institutions, you can consolidate your debt at Tidlor

Interested in a car-pickup loan for
debt consolidation?

  • Fast approval, no guarantor
  • Lower interest rate
  • One payment solution

Is your car fully paid off?

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FAQfaq icon

Find the answers you need quickly!

Can I consolidate debt at Tidlor if my car is still under financing?

You can apply for a car-pickup registration loan to join the debt consolidation program at Tidlor even if your car is still under financing

What is the interest rate for car-pickup registration loans under the debt consolidation program?

Car-pickup registration loans under the debt consolidation program have an interest rate of 0.56% - 0.79% per month as a flat monthly rate, which is equivalent to an effective reducing balance rate of 12% - 17% per year

Will I receive a Tidlor card if I join the debt consolidation program?

Car-pickup registration loans under the debt consolidation program will not receive a Tidlor card

Do customers need to clear debts with other institutions themselves?

The company will handle all debt payments on behalf of the customer. You will receive an SMS notification the next day after debts at other institutions that you brought into the debt consolidation program have been successfully paid

What documents are required?

Car-pickup registration loans under the debt consolidation program require the following documents for loan application:

  • Original ID card
  • Original vehicle registration book or copy of registration book in case of financing
  • Income documents according to company conditions
  • Debt statement documents showing the outstanding balance and pay-in slip from the financial institution you want to consolidate

How many debts at other institutions must I have to consolidate at Tidlor?

The debt consolidation program at Tidlor focuses on helping ease customers' burden and reduce monthly expenses. Customers must have outstanding debts at at least 2 other accounts to consolidate at Tidlor. Pay once and you're done, no need to hassle with multiple payments

After credit card debt is paid off through the debt consolidation program by Tidlor, can the card still be used?

For credit card debt cases, after joining the debt consolidation program, credit cards can still be used normally. The company does not close the account, but will make payments to clear the customer's debt balance to 0 baht. After this debt burden is lightened, we want you to use only what's necessary, within the credit limit that you can afford to repay

Which banks, financial institutions, or finance companies can I consolidate debt from at Tidlor's debt consolidation program?

The list of banks, financial institutions, or finance companies from which debt can be consolidated into the program includes more than 150 institutions. View more details Click here! (Link to file listing financial institutions / participating companies)
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