CAR FINANCE IN THAILAND
Kamnuanlek
Know the payment. Check the whole cost.
Car-loan calculations and quote comparisons
ESTIMATED MONTHLY PAYMENT
13,800THB / month
- Down payment
- 180,000
- Amount financed
- 720,000
- Total flat interest
- 108,000
- Down payment + all instalments
- 1,008,000
Complete all fields with figures within the stated limits.
Amounts in THB. Excludes fees, insurance, additional VAT and balloon payments.
Explore your payment map & cash timeline Open calculations, payment tables & affordabilityDoes a lower payment actually cost less?
Compare the same car and equivalent inclusions. A/B are illustrations, not provider offers.
A has a lower total than B
59,600 THBB has a lower payment but a longer term. This is not an assessment of suitability or approval.
Check both quotes. Down payment cannot exceed the price; a replacement final payment must be greater than zero.
Use tax-inclusive instalments. Include only upfront charges not already counted in the deposit or payments. Total paid is not APR or interest alone. Future running costs and unentered discounts are excluded.
THE WHOLE DEAL
A smaller payment. A bigger picture.
Correct the figures above to display the comparison.
Payment map
THB / monthGreen: within your ceiling, not a lending decision.
Enter a whole-baht ceiling from 0 to 100,000,000.
| Down | 48mo | 60mo | 72mo | 84mo |
|---|---|---|---|---|
| 0% | ||||
| 10% | ||||
| 20% | ||||
| 30% | ||||
| 40% |
Your money over time
Cumulative · THBView exact figures at this month
| Amount (THB) | Selected | Reference |
|---|---|---|
| Paid this month | ||
| Cumulative paid | ||
| Scheduled cash remaining |
Assumes all payments are made on schedule. Remaining cash is scheduled payments not yet made, not an early-settlement balance.
BEFORE YOU SIGN
From the monthly payment to the whole contract
Checkable calculations. Clear limits.
Flat interest = amount financed × annual rate × years. Quote comparison adds the cash payments you enter; it does not infer an interest rate. Kamnuanlek is not a lender and does not guarantee approval.
Check the worked examples and final-payment treatment
A THB 900,000 car with THB 180,000 down and 60 payments of THB 13,800 costs THB 1,008,000 in total. A second quote with THB 12,300 for 72 months and THB 2,000 in extra upfront fees totals THB 1,067,600: a THB 59,600 difference.
If a THB 150,000 balloon replaces payment 60 of a THB 10,000 plan, repayments are 59 × 10,000 + 150,000. If additional, they are 60 × 10,000 + 150,000.
Cross-check against published lender examples
Source checked 12 September 2026: Krungsri Auto publishes THB 59,400 total interest on THB 750,000 over 48 months, and THB 275,625 over 84 months. Our formula matches those totals using annual flat rates of 1.98% and 5.25%, respectively.
This checks published arithmetic, not bank endorsement or a current personal offer. Other charges are excluded. Confirm current rates and conditions directly with the lender.
Original examples and conditions: Krungsri Auto (Thai)