Grabs New Plan to Enter the Personal Loan Market, Offering SAVER-Premium Options to Reach All User Levels

Grab Thailand Grab Thailand revealed its 2025 performance, with strong growth in travel and food delivery businesses despite challenging economic conditions. It plans to continue with its Saver and Premium strategies, offering both affordable and value-for-money services across its ecosystem. In 2026, it aims to expand into new segments, including personal loans for Grab customers, and upgrade existing services to better serve new customer groups.

Regarding loan services, this marks the first time Grab is offering services directly to the general public under the name Grab Quick Cash a personal loan service for small-scale entrepreneurs. This product is designed to help Grab customers seeking capital to start or grow their businesses, offering loans up to 20,000 baht repayable over a maximum of six months. The service is expected to launch in April.

Loan approval criteria mean Grab will not offer loans to all users but will evaluate based on user qualifications and behavior on the platform. Users must have used Grab for at least three months and be at least 20 years old.

Previously, Grab Financial offered loans to partner merchants under the name Instant Cash Loan Plus a personal business loan with a credit limit up to 2,000,000 baht, and Instant Cash Loan with a credit limit up to 100,000 baht. For riders and drivers, there is a small personal business loan with a credit limit up to 100,000 baht.

Grab remains committed to expanding beyond transportation services to strengthen its business capabilities, despite already being a major player in the delivery market with consistent revenue growth.

2025 Performance

In 2025, according to a report byMomentum Worksthe food delivery market in Thailand was valued at 5.1 billion U.S. dollars, ranking as the second fastest-growing market in Southeast Asia after Indonesia. Grab continued to hold the largest market share in food delivery at 47%. This growth aligns with the direction of Thailand's digital economyin 2025, especially the ride-hailing and food delivery app sectors, which grew over 15%.Last year, Grab emphasized value-for-money services, such as GrabBike Saver starting at just 19 baht, GrabCar Saver, and Delivery Saver, offering more affordable choices to customers, resulting in growth across the platform and ecosystem.

App usage frequency increased by 19%,

• number of users grew by 8%,
• daily active users rose by 37%,
• driver numbers increased by 52%,

• restaurants with actual orders grew by 13.5%,
• and loan services expanded by 40%.
• Jantsuda Thananitayadum, CEO of Grab Thailand,

said, “Growth is possible even in a challenging economy if we make value accessible to everyone. Our growth is measured not just by numbers but by the ecosystem growing together, including riders, drivers, merchants, restaurants, and customers.” She also explained the growth of Grab Thailand’s various business segments as follows:

Mobility Business

• Grab expanded affordable ride options (Saver) for both cars and motorcycles to help customers tighten their budgets. Saver usage grew over 250%, while the Premium segment, serving foreign tourists and business clients, also grew over 90%. Food Delivery Business
• Grab continued the Saver strategy in this segment, helping customers save over 6.9 billion baht, with Saver Delivery usage increasing more than 77%. Premium services like GrabThumbsUp and Only at Grab include over 20,000 quality restaurants, and orders from expatriates living in Thailand rose over 60%. Enterprise Business
• Grab for Business offers corporate travel services and partners with various businesses, growing 45% year-over-year. GrabAds has evolved beyond F&B advertising toward Creative O2O Solutions, providing integrated online and offline advertising solutions. Additionally, last year Grab benefited from the Khon La Khrueng Plus program, with participating platform merchants seeing sales triple normal levels, and 50% of merchants continued growth after the campaign ended.

Grab also promotes capabilities of its ecosystem members through services like Merchant AI Assistant to monitor sales and suggest promotions and bundle menus, driver skill development programs for effective communication, scholarships for drivers’ families, and encouraging EV vehicle use with financing options to help drivers own EVs in the future.

2026 Plans

Jantsuda Thananitayadum explained that in 2026, Grab will continue its Barbell Strategy 2.0, balancing “affordability” and “quality.” While maintaining affordable Saver services, it will also offer high-end Premium services to cover diverse customer segments. Grab plans to expand into other customer groups to attract new users to the platform.

Affordability Recently, Grab launched a new brand ambassador, “Nong Kae,” promoting the affordable strategy to attract new users and retain existing customers with various promotions.

• Quality It continues to develop flagship brands on GrabThumbsUp and Only at Grab features, focusing on quality, and plans to launch premium ride services directly from airports.
• The main theme for the year is “Winning with Purpose Together,” aiming for ecosystem-wide growth by launching and promoting strategies such as: Group Ride

a ride-hailing feature for groups picking up from multiple points and dropping off at multiple locations, with a forthcoming feature to split fares based on actual routes or evenly among friends.

• Discover a new section on Grab Food where users can post photos, videos, and food content to highlight, share favorites, or review restaurants on Grab. It also allows Eatfluencers to share content and complete missions to earn rewards.
• New Segment expanding the customer base to late-night eaters, including sports fans watching late matches and students studying late. Grab for Student was launched in partnership with universities offering special promotions to students.
• Grab Quick Cash the first personal loan service for the general public, following previous loans to merchants and drivers on the platform. This new service targets those aged 20 and older seeking capital for their businesses, providing small business loans.
• Grab for Business expanding the premium customer base, recently partnering with hotel businesses to offer rides to guests without requiring them to book themselves. GrabAds plans to hold its first award ceremony for marketers.
• “The year 2026 will not only be a year of growth but one where Grab accelerates fully to systematically drive the entire platform forward, from enhancing user experience and advancing innovation to creating new opportunities for partners across all business dimensions,” Jantsuda Thananitayadum said.

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