คล่องมือ

Name: คล่องมือ
Author: RAINBOW PICO COMPANY LIMITED

1.0.1

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RAINBOW PICO COMPANY LIMITED

100K+ installs

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Flexible finances, easy repayment, fast approval, no guarantor required.

คล่องมือ: personal loan app for up to 50,000 baht

By Priya Raghavan

Senior reviews editor

Loans up to 50,000 baht, subject to assessment
Sign-up by mobile number with an OTP code
Repayment over 91 to 180 days in instalments
Interest charged daily on the principal still owed
Early payoff with no penalty or fee
APR listed at 10% to 35.8% a year

What the คล่องมือ loan app is for

If you need a short-term cash loan and would rather apply on a phone than at a branch, คล่องมือ is a loan product offered through a mobile app by RAINBOW PICO COMPANY LIMITED. The listing presents it for unexpected expenses, the kind of bill that arrives before the next payday.

Once a loan is approved, the listing says the money is transferred to your bank account. Repayment runs over 91 to 180 days, so the app is built around a loan of a few months rather than a single payment.

Nothing in the listing suggests the app suits anyone outside Thailand's personal loan market, and the Thai-language description is written for borrowers who can read it.

Applying for a loan by phone number

The application has four stages, as the listing sets them out. First you download the app from Google Play. Then you register with a mobile phone number and confirm your identity with a one-time OTP code sent to that number.

Next you fill in your details and submit a request for a credit limit. Once the request is approved, the listing says the system transfers the money to your bank account straight away.

A registered phone number and OTP confirmation are therefore needed before any loan request can be made.

Loan amounts, terms and the APR range

The maximum loan is 50,000 baht, but the listing says the amount actually offered depends on the outcome of the assessment. Repayment is set over 3 to 6 months, which the listing gives as 91 to 180 days.

The annual interest rate (APR) is shown as 10% to 35.8% a year. The listing says interest is calculated on a reducing-balance basis as the law requires. It also says the real rate depends on the contract you are approved for, so the range is a starting point rather than a fixed quote.

The summary on the listing says no guarantor is required. That is the developer's statement and is not something this page checks.

How daily interest works in the worked example

Interest is charged on the principal still owed, for the number of days it is actually outstanding. The listing gives the formula as the remaining principal multiplied by 18.25% a year, divided by 365, multiplied by the days in that period. It also says interest is charged only for the days the money is in use.

The listing's worked example uses a 30,000 baht loan repaid in six instalments of 30 days each. The daily rate is 0.05%, equal to 18.25% a year, or 1.5% per instalment. Each instalment is 5,265.76 baht, and the interest in each one falls as the principal drops: 450.00, 377.76, 304.44, 230.02, 154.49 and 77.85 baht.

Across the full term the example gives total interest of 1,594.56 baht and total repayment of 31,594.56 baht. The listing says these figures are a preliminary calculation, and the actual terms follow the agreement you receive.

Repaying early and the account you pay into

The listing says you can close the loan before the due date at any time, with no penalty and no charge. Interest stops being charged for the days after payoff, so the early payoff reduces the total you repay.

Each instalment is applied only to principal and interest, and the listing says no other charges are added beyond those the app has already disclosed. It also says there are no application, account opening or other operating fees.

Repayments must go through the app to the bank account in the company's name. The listing warns against transferring money into any personal account, and it asks borrowers to check the app's name and logo before each use, because copycat apps exist.

Licensing, data protection and getting support

The listing states that the company holds a provincial small loan business licence, number 1141/2569, and that it operates under the supervision of the Ministry of Finance. It also says the company follows Thailand's PDPA rules on personal data.

The registered office is at Chamchuri Square in Bangkok's Pathum Wan district. The company's website is rainbowpico.co.th, and the listing gives a LINE ID, @klongmue, and the email support@rainbowpico.co.th.

Support is also available through the contact menu inside the app, which the listing describes as an online customer service channel.

About this APK

The build we hold is คล่องมือ 1.0.1 (APKS split bundle) for Android 12L and up.

Version: 1.0.1; 2
Requires Android: 12L+
Size: 11 MB
Target Android: 16

Package ID: com.klongmueth.loan
Format: APKS split bundle
Malware scan: Google Play Protect
Permissions: 16 declared · 4 sensitive; Approximate location
Camera
Read phone status and identity
Read your SMS messages
Signed by: CN=Android, O=Google Inc.
Certificate SHA-256: 0b8c174da96384be7f80a77f20aac37e4746a907b2c83b3370afee82e28ae05e