CLICX Resumes Loans with Stricter Credit Bureau Checks

MGR Online•Economy•23h ago

Reader Briefing

CLICX Virtual Bank has resumed its ready-to-use loan services with the addition of National Credit Bureau checks following a temporary system shutdown.

•CLICX resumed loan applications via its application on the morning of August 6, 2026.
•The system was temporarily closed on August 3, 2026, following social media trends encouraging loan defaults.
•CLICX has added a requirement for user consent to check credit history with the National Credit Bureau.
•CLICX is a virtual bank joint venture between KTB, ADVANC, and OR.

Overview

•CLICX is Thailand's first branchless Virtual Bank, a joint venture between Krungthai Bank (KTB), Advanced Info Service (ADVANC), and PTT Oil and Retail (OR).
•CLICX launched deposit products on June 19, 2026, and fully entered the loan market on August 1, 2026.
•The loan products included 'Basic' with a maximum limit of 20,000 Baht and 'Pro' with a maximum limit of 1,000,000 Baht.
•CLICX closed loan applications on August 3, 2026, after social media posts encouraged users to apply for loans and default on payments despite poor credit histories.
•CLICX issued a statement on the evening of August 4, 2026, confirming its commitment to responsible lending and warning that fraudulent information or debt evasion may lead to legal action.
•CLICX reopened loan applications on the morning of August 6, 2026.
•The resumed application process now includes a requirement for consent to disclose and verify credit history from the National Credit Bureau.

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Key Entities

Organization

CLICX Bank(ธนาคารคลิกซ์ (CLICX))

Thailand's first branchless Virtual Bank and a joint venture between KTB, ADVANC, and OR.

Krungthai Bank (KTB)(ธนาคารกรุงไทย (KTB))

One of the three joint venture partners of CLICX.

Advanced Info Service (ADVANC)(บมจ.แอดวานซ์ อินโฟร์ เซอร์วิส (ADVANC))

One of the three joint venture partners of CLICX.

PTT Oil and Retail (OR)(บมจ.ปตท. น้ำมันและการค้าปลีก (OR))

One of the three joint venture partners of CLICX.

National Credit Bureau(บริษัท ข้อมูลเครดิตแห่งชาติ จำกัด (เครดิตบูโร))

The entity used by CLICX to verify the credit history of loan applicants.