LOANDY.ai: one request, matched with licensed lenders
LOANDY.ai: let AI find the right loan for you, every asset, all in one place
Apply once from any platform in the network. With your consent we pass your request to banks and regulated lenders whose products fit — they decide, sign with you and pay you directly.
Requests open after the legal review is complete and licensed lenders are connected.
- We never lend, hold your money or approve loans.
- Your request goes only to licensed lenders — and you see which ones.
- Nothing is shared without your consent, and your data is never sold.
- Rates, fees and decisions always come from the lender.
From request to money in four steps
We are the channel, not the lender.
- 1
Apply once
Start on the platform you already use — shop, service or freelance platform — or in your BestSo account.
- 2
Read and consent
A clear consent page shows what is shared and with whom. Sharing your activity profile is optional.
- 3
Licensed lenders decide
We route your request to lenders whose published products match. The lender reviews and makes an offer or declines with reasons.
- 4
Sign and receive
You sign with the lender, receive the money from the lender and repay the lender. Track every step in your account.
For customers, shops and service providers
Customers
Personal loans, nano loans or buy-now-pay-later for bigger purchases — from licensed providers.
Shops
Working capital, invoice financing and equipment leasing, using your sales history in the network (with consent).
Service providers & freelancers
Funding to grow your service business, based on the jobs you complete in the network (with consent).
Only lenders with a licence we have verified
Each lender's licence is checked against the regulator's records before it can receive any request.
Licence types we accept. Licences are re-checked before expiry. Lenders apply their own credit checks, including the credit bureau where they are members.
You stay in control of your data
Built around Thailand's Personal Data Protection Act (PDPA).
Versioned consent
You read the exact consent text and tick it yourself. Every version and change is recorded.
Only to routed lenders
Your request goes only to the lenders our rules route it to, and your account shows each one.
Withdraw any time
Withdraw in your account: requests in progress stop and nothing more is shared.
If you agree, we summarise how you use the network (account age, paid orders, refunds, cancellations, disputes) so lenders can understand you better. It never uses age, gender, religion, ethnicity, health or address, it is not credit bureau data, and you can see the factors and how to improve them in your account.
Paying at checkout? Try Pay Later
PAYDY.ai offers card instalments and buy-now-pay-later at checkout through licensed providers.
Frequently asked questions
Does LOANDY.ai lend me money?
No. LOANDY.ai is a referral hub. Licensed lenders decide, sign the contract with you and transfer the money directly. We never hold your money.
Is it free to apply?
Yes, applying through LOANDY.ai is free. We may receive a referral fee from the lender; it does not change the lender's rates, fees or decision.
Who sees my data?
Only the licensed lenders your request is routed to, and only after you consent. Your account lists each lender. We never sell your data.
Is the activity profile my credit score?
No. It is an optional summary of your activity in our network, shared only with your consent. It is not credit bureau data and not a lending decision.
What if no lender matches?
You will be told that no licensed lender has a matching product yet. That is not a credit decision — you can try another amount or term, or apply again later.
Can I withdraw?
Yes. Withdraw a request or your consent any time in your account; requests in progress stop immediately on our side and we inform the lender.
Which platforms can I apply from?
Platforms in the BestSo network that have switched on LOANDY.ai — mainly e-commerce, service and fintech platforms — plus your BestSo account.
LOANDY.ai is operated by BestSo Group as a referral service and is not a lender. Credit is provided only by licensed lenders under their own terms. Borrow only what you need and can repay. Information on this page is general and subject to legal review.