EMI Calculator Thailand
Work out your monthly loan instalment in THB, see the total interest, and compare it against rates Thailand banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Thailand
Buzdy tracks 5 banks in Thailand with 180 branches across 47 cities. EMI results on this page are shown in THB. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Looking for a credit card in Thailand?
Compare what banks in Thailand actually offer — rates, fees and eligibility, updated for 2026.
Credit card interest rates in Thailand
Relevant if you convert a card purchase into monthly instalments. 20 cards with a published rate.
Worked example — repaying THB 100,000 of card balance over 5 years in Thailand
- Balance
- THB 100,000
- Rate used
- 1.33% per month (≈15.96% a year)
- Tenure
- 60 months
- Monthly EMI
- THB 2,430
- Total interest
- THB 45,781
Rate taken from Bangkok Bank Visa Infinite (Bangkok Bank) — the lowest published credit card rate we hold for Thailand. Buzdy does not yet hold personal loan rates for Thailand, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Thailand
Keep going in Thailand
Guides for Thailand
Thailand — frequently asked questions
What does THB 100,000 on a credit card cost per month in Thailand?
At 15.96% a year over 60 months the instalment works out at about THB 2,430, or THB 45,781 of interest in total. That rate comes from Bangkok Bank Visa Infinite by Bangkok Bank, the lowest published credit card rate Buzdy holds for Thailand. We do not yet hold personal loan rates for Thailand — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Thailand?
Across the 20 cards with a published rate in Thailand, quoted rates run from 1.33% per month to 1.33% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Thailand?
Buzdy maps 180 bank branches in Thailand across 47 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.