Fast, Easy, and Private
Fast, Easy, and Private
Fast, Easy, and Private
Fast, Easy, and Private

SMART Credit

If you have a SMART Account and save with Yoma Bank, you may be eligible for SMART Credit, a line of credit up to 3,000,000 MMK exclusive to SMART users. With an online application, no collateral or guarantors required, and funds quickly deposited into your SMART account, it has never been easier to get the short-term financing you need. 

Features and Benefits

Apply Online
Apply for SMART credit quickly and easily through our online application

Automatic Repayment
Through our stress-free repayment system, equal monthly repayments will be automatically deducted from your account, with automated reminders three days before each installment is deducted.

Interest and Fees

14.5% per year

Term of Loan

For first SMART Credit loan 
1-3 months
For subsequent loans
Up to 12 months
 Payment schedule Equal Monthly Installments


  • Yoma Bank SMART Account
  • Yoma Bank mobile application