TTB launched a new auto loan product ("Car Trade-In Cash Loan") that uses risk-based pricing tied to NCB credit scores rather than vehicle age, offering rates starting at 11.11% annually for customers with strong payment history. The bank aims to disburse 5 billion baht over the final five months of 2026 (August–December), targeting 14,500–15,000 customers and saving over 1 billion baht in interest across loan terms. This product addresses a market opportunity: ~77% of existing car-pledge loan customers (4–5 million vehicles) with good repayment discipline could qualify for lower rates than the typical 20–24% charged by competing lenders.