Before You Apply
Applications are open to individuals of legal age residing in Lao PDR and to small businesses operating locally. Applicants must be able to provide valid identification, proof of address, and evidence of income or business activity.
All applications are subject to eligibility requirements and internal assessment. Meeting the basic criteria allows an application to be considered; it does not itself result in approval.
Requirements vary by product and applicant. Most applications involve:
- Valid government-issued identification
- Proof of current address
- Evidence of income or regular earnings
- For business applications: business registration and recent business records
Contact us before visiting our office and we will confirm the exact list that applies to your circumstances, so you only need to make one trip.
Timing depends on the completeness of your documentation and the nature of the application. Assessment begins once your documents have been received and verified, so incomplete paperwork is the most common cause of delay.
We keep you informed of progress and communicate the outcome whether or not the application is approved. When you apply, our team will give you an indication of timing specific to your case.
You can reach us in any of the following ways:
- Phone: +856 20 9764 6546
- Email: info@t-solutions.ltd
- Office: Nong Duang Nuea, Sikhottabong District, Vientiane 00000, Lao PDR
- Website: https://t-solutions.ltd
Our business hours are Monday to Friday, 08:30–17:30. You can also use the contact form and our team will respond during business hours.
Personal micro loans are commonly used for household expenses, education costs, medical bills, home repairs, and similar planned commitments. Small business loans typically fund stock, equipment, or working capital.
We ask about the purpose of the financing as part of the application because it helps us recommend a suitable product and repayment structure.
Interest, fees, loan amount, and repayment term are determined individually based on the assessment of your application. They are presented to you in writing before any agreement is signed, together with the repayment schedule and the total amount payable.
You are entitled to review those terms and ask questions before deciding whether to proceed. No charges are applied without being disclosed to you in advance.
No. Loan approval is subject to eligibility requirements and internal assessment. Meeting the documentation requirements allows an application to be considered, but each application is reviewed on its own merits. We will decline applications where the financing would not be appropriate for the applicant's circumstances.
Contact us as early as possible. Customers who tell us in advance that they expect difficulty with a scheduled repayment give us more room to discuss the situation constructively.
Any arrangement that may be available depends on your individual circumstances and the terms of your agreement. Late or missed repayments may result in additional charges as set out in your loan agreement.
Information you provide is used to assess and administer your application and any resulting loan, and to meet our legal and regulatory obligations. It is treated confidentially and handled by authorised staff only. Further detail is available in our Privacy Policy.
The answers above are general information about our services. They are not financial advice and do not form part of any loan agreement. Specific terms are confirmed in writing during the application process.
Speak With Our Team
If your question is not answered above, contact us directly during business hours and we will be glad to help. There is no cost to ask, and no obligation to apply.
