KResearch expects Thai bank lending to grow only about 0.5% YoY in 2026, with SME lending down about 4.5% and retail lending down about 1.5%. Big-company lending (up about 5%) is doing the lifting. Hire-purchase is forecast to fall about 7.2% and credit cards about 4%, while car-title loans keep growing. Expect tighter credit for SMEs and plan working capital from internal cash flow or alternatives. Car owners can compare title-loan rates: TTB is launching a no-transfer car-title loan with risk-based pricing, starting at 11.11% p.a., and the article notes typical title-loan rates of 20-21% p.a.