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Short term loans in Thailand
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_AttilaTheNun_ is in Thailand
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I'm curious, is it common in Thailand to take out loans from non-banking entities (i.e. loan sharks) where the terms are things like 5000/600/15 and you're borrowing 5000 baht, but then have to pay back 600 baht per day for 15 days?

I know in the US there are lots of crazy predatory lending practices, but this seems on another level.

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Americans love their credit card debt, and for those that can't qualify for credit cards, there are all sorts of 'payday' loans where showing a small monthly income qualifies you to borrow money at absurd APRs.

I also know that in the US, many people don't have enough savings to cover an emergency of a few thousand dollars, so I'm not shocked that savings are an issues elsewhere in the world. But paying back almost 100% of the loan amount in a couple weeks seems criminal. I assume as far as the law is concerned, so long as the borrower agreed, they don't intervene to prevent these sort of loans from being commonplace?

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10 months ago