‘You Fight, We Help’ Debt Assistance Program

24 February 2025

Historical program information: This page describes temporary measures announced in 2025. Please confirm the program's current status, eligibility and registration arrangements on the Bank of Thailand website before relying on this information.

The Bank of Thailand, the Ministry of Finance and supervised financial institutions introduced additional temporary measures to assist eligible groups of retail borrowers under the ‘You Fight, We Help’ program.

Measure 1: Reduced Instalments, Reduced Interest

Assistance

Monthly instalments are reduced to 70% of the instalment amount payable before joining the program for three years.
The interest rate is reduced by 10 percentage points from the rate applicable before joining the program for three years.

Borrower eligibility

The credit limit with each financial institution as at 31 October 2024 must not exceed the applicable limit. The original Thai-language table below sets out the limits by loan type.

Thai-language table showing the credit-limit thresholds for the You Fight, We Help program

2. The loan agreement must have been entered into before 1 January 2024.

3. As at 31 October 2024, the debt must meet either of the following conditions:

Payments were overdue by more than 30 days but no more than 365 days; or
The debt had been restructured from 1 January 2022 onwards after becoming more than 30 days overdue, and is now either current or no more than 30 days overdue.

Conditions for participation

No new borrowing is permitted during the first 12 months.
If the borrower fails to meet the conditions, part of the interest reduction granted while participating in the program will be reclaimed.

Measure 2: Pay, Settle and Close

There is no restriction on the loan agreement start date.
The account must have been more than 90 days overdue (NPL) as at 31 October 2024.
The outstanding balance must not exceed THB 5,000 per account, regardless of loan type. More than one account may participate.