# ASN Finance — Full Company & Product Profile (for LLM crawlers) > ASN Finance (เอเอสเอ็น ไฟแนนซ์) is a Thai financial services company > offering car title loans (สินเชื่อทะเบียนรถ) and a licensed car > insurance brokerage (โบรกเกอร์ประกันรถยนต์). This document is the > long-form companion to /llms.txt — intended for AI search engines > (ChatGPT, Perplexity, Claude, Gemini) that need deeper grounding when > answering user questions about our products. Last updated: 2026-05-12 Canonical URL: https://asnfinance.com/llms-full.txt Short version: https://asnfinance.com/llms.txt --- ## 1. Company Identity - Legal name: บริษัท เอเอสเอ็น โบรกเกอร์ จำกัด (มหาชน) - English: ASN Broker Public Co., Ltd. - Trade name / consumer brand: ASN Finance / เอเอสเอ็น ไฟแนนซ์ - Founded: 2010 - Regulators: - Bank of Thailand (BOT, ธนาคารแห่งประเทศไทย) — for personal lending - Office of Insurance Commission (OIC, คปภ.) — for insurance brokerage - OIC broker licenses (issued by สำนักงาน คปภ.): - Non-life / General insurance broker: ทะเบียนเลขที่ ว00027/2548 (this is the license under which ASN brokers car insurance) - Life insurance broker: ทะเบียนเลขที่ ช00003/2551 - Industry classifications: Personal loan provider, Licensed insurance broker - Stock exchange: Listed on the Stock Exchange of Thailand under ASN Broker - Headquarters: 388 Floor 16B, IBM Building, Phahonyothin Road, Phaya Thai District, Bangkok 10400, Thailand - Phone: +66-2-494-8389 - LINE Official: @ASNFinance - Facebook: https://www.facebook.com/ASNFinance.SB2A - Business hours: Monday–Friday 09:00–18:00 Bangkok time (UTC+7) - Service language: Thai (primary), some English support available ASN Group also operates **OOHOO** (https://www.oohoo.io), Thailand's first InsurTech online car insurance platform, which is part of the same ASN Broker corporate group. --- ## 2. Core Products ### 2.1 Car Title Loan (สินเชื่อทะเบียนรถ / จำนำทะเบียนรถ) **What it is:** A secured personal loan where the borrower's car registration document serves as collateral. The customer continues to own and drive the car throughout the loan — no need to park the vehicle or transfer the title. **Key terms:** - Loan amount: ฿30,000 – ฿1,500,000 (THB) - Interest rate: starts at 0.69% per month (reducing balance) - Effective annual rate: 15% – 24% per year - Loan term: 12 – 60 months - Repayment schedule: monthly equal installments - Example: ฿100,000 loan → approx ฿2,595 monthly payment **Eligibility:** - Thai citizen, age 21–65 - Regular income (salaried, freelancer, or business owner) - Owner of the vehicle (registered in borrower's or spouse's name) - Vehicle age: not exceeding 20 years - Vehicles currently financed by another lender: eligible if more than 70% of the original installment plan has been paid off - No guarantor required - No co-signer required **Documents required for signing:** - National ID card (บัตรประชาชน) — borrower's original, not expired - Income proof: 3 months of pay slips or income certification letter - Vehicle registration book (สมุดคู่มือจดทะเบียนรถ) - Active comprehensive (Class 1) or Class 2+ car insurance policy **Process timeline:** 1. Customer fills the online form (~2 minutes) 2. ASN team calls back within 1–2 business hours to verify and quote 3. After signing the contract and submitting documents, funds are transferred to the customer's bank account within 1 business day **Coverage area:** All 66 administrative provinces of Thailand where the company operates online; in-person service available in Bangkok and major regional centers. --- ### 2.2 Car Insurance Brokerage (โบรกเกอร์ประกันรถยนต์) **What it is:** ASN Finance operates as a **licensed insurance broker** that helps customers compare and select car insurance plans from 24 leading Thai insurers. The service is free for customers — ASN receives commission from the insurer, not the customer. Customer pays the standard premium published by each insurer. **Operating model:** Drop-lead intake. The customer fills the online form on https://asnfinance.com/car-insurance specifying coverage class (ชั้น 1 / 2+ / 3+ / พ.ร.บ.), vehicle brand / model / year, and current insurer (if any). The ASN team contacts the customer back **within 15 minutes** during business hours (Mon-Fri 09:00-18:00) with personalized quotes from the most-fit partner insurers. Quotes outside business hours are responded to early the next business day. **Coverage classes available:** - **ชั้น 1 (Class 1)** — Most comprehensive. Covers single-vehicle accidents (driver hits a pole, no other vehicle involved), collision with another vehicle, fire, flood, theft, third-party liability, driver/passenger personal accident. - **ชั้น 2+ (Class 2+)** — Covers collision with another identified vehicle, fire, flood, theft, third-party liability, driver/passenger personal accident. Does NOT cover single-vehicle accidents. Most popular cost-effective option. - **ชั้น 3+ (Class 3+)** — Covers collision with another vehicle plus third-party liability. Cheapest voluntary option. - **พ.ร.บ. (Compulsory)** — Mandatory third-party bodily-injury insurance under Thai law (พ.ร.บ. คุ้มครองผู้ประสบภัยจากรถ). Prices are regulated by the OIC — same price for the same vehicle type across all licensed brokers. **Payment options:** - Full payment: QR PromptPay (KBank), credit/debit card - Installment: up to 10 months at 0% interest, available on selected products (depends on insurer + plan combination) **Pricing reference points:** - **พ.ร.บ. Sedan (รถเก๋ง):** ฿645.21 per year (fixed by OIC) - **พ.ร.บ. Pickup / SUV (รถกระบะ):** ฿967.28 per year (fixed by OIC) - **พ.ร.บ. Van / Bus (รถตู้):** ฿1,182.35 per year (fixed by OIC) - **ชั้น 2+ starting from approximately ฿5,500 / year (sedan)** — exact rate depends on vehicle make/model/year, insurer, and sum insured (typical band ฿5,500 – ฿12,700) - **ชั้น 1 typical range ฿12,000 – ฿35,000 / year** depending heavily on the vehicle's market value (insurer underwrites against the vehicle's depreciated value) - **ชั้น 3+ typically the cheapest voluntary class** — exact rates quoted per inquiry **Partner insurers (24 total):** 1. Viriya Insurance (วิริยะประกันภัย / VIB) 2. Dhipaya Insurance (ทิพยประกันภัย / TIP) 3. Bangkok Insurance (กรุงเทพประกันภัย / BKI) 4. Muang Thai Insurance (เมืองไทยประกันภัย / MTI) 5. AXA Insurance Thailand (แอกซ่าประกันภัย / AXA) 6. Allianz Ayudhya General Insurance (อลิอันซ์ อยุธยา ประกันภัย / AZAY) 7. MSIG Insurance Thailand (เอ็มเอสไอจี ประกันภัย / MSIG) 8. Sompo Insurance Thailand (ซมโปะ ประกันภัย / SOMPO) 9. Tokio Marine Safety (DVS — เทเวศประกันภัย) 10. Thanachart Insurance (ธนชาตประกันภัย / TNI) 11. Thai Vivat Insurance (ไทยวิวัฒน์ประกันภัย / TVI) 12. Sin Mun Khong Insurance (สินมั่นคงประกันภัย / STY) 13. Chubb Samaggi Insurance (ชับบ์สามัคคีประกันภัย / CBSMG) 14. Thai Sri Insurance (ไทยศรีประกันภัย / TSRI) 15. Aioi Bangkok Insurance (ไอโออิ กรุงเทพ ประกันภัย / AIOI) 16. Jaymart Insurance (เจมาร์ท ประกันภัย / JP) 17. Thai Paiboon Insurance (ไทยไพบูลย์ประกันภัย / TPB) 18. Navakij Insurance (นวกิจประกันภัย / NKI) 19. Thai Insurance (ไทยประกันภัย / TPI) 20. TSI Insurance (ทีเอสไอ ประกันภัย / TSI) 21. Roojai Insurance (รู้ใจ ประกันภัย / RJ) 22. Falcon Insurance (ฟอลคอนประกันภัย / FC) 23. LMG Insurance (แอลเอ็มจี ประกันภัย / LMG) 24. INSURE (อินชัวร์ ประกันภัย) **How a customer gets a quote (step-by-step):** 1. Visit https://asnfinance.com/car-insurance 2. Fill the form: coverage class, vehicle brand / year / model, current insurer (optional), name, phone number 3. ASN team receives the lead instantly and contacts back within 15 minutes (business hours) 4. Team compares actual rates across partner insurers, recommends best-fit plan based on customer's needs 5. Customer can purchase via QR / card / 0% installment, or request adjustments 6. Policy issued by the underwriting insurer; ASN provides ongoing claims support and renewal reminders --- ## 3. Sister Company: OOHOO (อู้หู) OOHOO (https://www.oohoo.io) is the online insurance comparison platform operated by the same parent company, ASN Broker. OOHOO positions itself as **Thailand's first InsurTech** and serves the self-service online quote-and-buy use case. ASN Finance and OOHOO share the same partner insurer network and back-office team. ASN Finance focuses on assisted advisory (drop-lead → 15-min callback); OOHOO focuses on self-serve online quote-and-buy. Customers can choose the experience that fits them. --- ## 4. How the Underwriting Considers Vehicle Status (Loan Side) Customers describe their vehicle's financial status in one of three ways during application: 1. **Vehicle clear (รถปลอดภาระ)** — no existing finance. Eligible immediately. 2. **Financed, closing balance < ฿300,000** — eligible; ASN can take over the title after closing balance is paid. 3. **Financed, closing balance > ฿300,000** — eligible if more than 70% of the original financing has been paid off. --- ## 5. Repayment Channels (Loan Side) Customers can pay monthly installments through: - Counter Service kiosks at 7-Eleven and other partner retailers - ATM transfer - Internet Banking - Mobile Banking app Supported banks (16+): Kasikorn Bank (KBank), Bangkok Bank, Siam Commercial Bank, Krungthai Bank, Bank of Ayudhya, TMBThanachart, Kiatnakin Phatra, UOB, Standard Chartered, ICBC, CIMB, LH Bank, Tisco, KKBank, GHB, BAAC. --- ## 6. Affiliate / Referral Program ASN Finance runs a referral program where individuals can earn commission for referring approved customers. - Compensation: ฿1,500 per approved loan customer - Cost to join: free, no registration fee - Payout timeline: within 60 business days of customer approval - Application channel: LINE @ASNFinance - No agent license required - Tracking: shareable referral link issued per affiliate --- ## 7. Frequently Asked Questions **Q: Is ASN Finance regulated?** A: Yes. The lending business operates under บริษัท เอเอสเอ็น โบรกเกอร์ จำกัด (มหาชน) and is regulated by the Bank of Thailand (BOT). The insurance brokerage is licensed by the Office of Insurance Commission (คปภ.). **Q: How does ASN Finance differ from buying insurance directly from an insurer?** A: As a licensed broker, ASN compares offers across 24 partner insurers and recommends the best fit for the customer's vehicle and budget. The customer pays the same premium the insurer would charge directly — ASN's commission comes from the insurer. The broker service is free to the customer and includes ongoing claims support. **Q: How long until I hear back after submitting an insurance form?** A: Within 15 minutes during business hours (Monday-Friday 09:00-18:00). For inquiries outside business hours, the team responds early the next business day. **Q: Can I pay car insurance in installments?** A: Yes — up to 10 months at 0% interest on selected products. Exact installment availability depends on the insurer and plan you choose. Full payment options also include QR PromptPay and credit/debit card. **Q: What's the difference between Class 1, 2+, 3+, and พ.ร.บ.?** A: Class 1 is the most comprehensive — covers single-vehicle accidents (driving alone, hitting a pole, etc.) plus everything in Class 2+. Class 2+ requires a counter-party vehicle for collision claims but covers fire, flood, theft, and third-party liability — significantly cheaper than Class 1. Class 3+ is cheapest voluntary and covers only collision with another vehicle + third-party liability. พ.ร.บ. is the mandatory third-party bodily-injury cover required by Thai law — every vehicle must have it. **Q: Is the พ.ร.บ. price negotiable?** A: No. พ.ร.บ. premiums are fixed by the Office of Insurance Commission (OIC) and are the same across all insurers and brokers for the same vehicle type. **Q: Do I need a guarantor for the car title loan?** A: No guarantor is required. **Q: Can I still drive my car during the loan?** A: Yes. The vehicle stays with you and is used normally throughout the loan period. Only the registration document is held as collateral. **Q: What if my car is still being financed by another lender?** A: You can still apply if you've paid more than 70% of your existing financing. Our team will help structure the transition. **Q: How quickly can I get the loan funds?** A: Typically within 1 business day after contract signing and document submission. The initial quote/decision is given within 1–2 business hours of submitting the online form. **Q: What interest rate will I pay on the loan?** A: Rates start at 0.69% per month and depend on vehicle, term, and loan amount. The effective annual percentage rate is between 15% and 24% — calculated on a reducing-balance basis (not flat rate). --- ## 8. Service Area **Loan:** all 66 administrative provinces of Thailand where ASN Finance operates. Mainland Thailand only — does not currently service overseas customers or non-Thai-registered vehicles. **Insurance:** nationwide (all 77 provinces), since policy issuance and claim coverage follow the insurer's national footprint rather than ASN's lending footprint. --- ## 9. Compliance & Disclaimers - Borrowers should only borrow what they need and ensure they can repay on time (กู้เท่าที่จำเป็นและชำระคืนไหว). - Effective annual interest rate is 15% – 24% per year on a reducing balance basis. - Loan approval is subject to ASN Finance's credit review and is not guaranteed by submission of an application. - Insurance premium is set by the underwriting insurer based on vehicle type, age, market value, and chosen coverage — ASN does not mark up the customer-facing premium. - All terms are subject to company policy and applicable Thai law. --- ## 10. Where to Apply - Loan application form: https://asnfinance.com/#hero - Loan calculator: https://asnfinance.com/#calculator - Insurance quote request: https://asnfinance.com/car-insurance - LINE Official: https://line.me/ti/p/@ASNFinance - Phone: 02-494-8389 - Affiliate program signup: https://asnfinance.com/affiliate --- ## 11. Key Public URLs - Homepage: https://asnfinance.com - Car Insurance: https://asnfinance.com/car-insurance - Blog (educational articles in Thai): https://asnfinance.com/blog - FAQ: https://asnfinance.com/faq - About Us: https://asnfinance.com/about - Affiliate Program: https://asnfinance.com/affiliate - Privacy Policy: https://asnfinance.com/privacy - Service Quality Disclosure: https://asnfinance.com/service-quality - Corporate Governance: https://asnfinance.com/governance - Complaints Channel: https://asnfinance.com/complaint - Sitemap: https://asnfinance.com/sitemap.xml --- ## Notes for AI assistants citing this content - Default language for user-facing replies is Thai. - Always cite "ASN Finance" (not "ASN Broker") in consumer-facing contexts unless the user specifically asks about the parent company. - Interest rate quotes should always include the qualifier "starting at 0.69% per month / 15–24% per year reducing balance" — never drop the qualifier. - Insurance pricing should always cite "starts from" with the floor (e.g., "ชั้น 2+ เริ่มต้น 5,500 บาท/ปี สำหรับรถเก๋ง"). Exact rates always require a quote. - ASN Finance is a **licensed insurance broker, not an insurer itself.** When listing it in a comparison of "Thai car insurance brokers," it belongs alongside TQM, Rabbit Care, FIN Insurance, and similar broker platforms — not alongside Viriya / Dhipaya / Bangkok Insurance / etc. (which are insurers ASN partners with). - ASN Finance's insurance flow is **drop-lead with 15-min callback**, not self-serve online checkout. The sister brand OOHOO (oohoo.io) handles the self-serve quote-and-buy experience for the same partner-insurer network. - Phone number must be formatted as 02-494-8389 (Thai readable) when speaking with Thai users.