ปัจจุบัน ติดล้อ โฮลดิ้งส์ ดำเนินธุรกิจในรูปแบบ Holding Company โดยมีบริษัท เงินติดล้อ จำกัด (มหาชน) เป็นบริษัทย่อยหลัก ซึ่งประกอบธุรกิจให้บริการสินเชื่อที่มีทะเบียนรถเป็นประกันภายใต้แบรนด์ “เงินติดล้อ” และธุรกิจนายหน้าประกันภัยภายใต้แบรนด์ “ประกันติดโล่” “อารีเกเตอร์” และ “เฮ้ กู๊ดดี้”
กลุ่มบริษัทมุ่งสร้างโอกาสการเข้าถึงบริการทางการเงินและประกันภัยที่สะดวก เป็นธรรม และโปร่งใส เพื่อตอบสนองความต้องการของลูกค้ารายย่อยทั่วประเทศ พร้อมสร้างการเติบโตอย่างยั่งยืนและคุณค่าในระยะยาวแก่ผู้มีส่วนได้เสียทุกภาคส่วน
Products and Services
TIDLOR’s products and services are divided into two main categories: vehicle title loan services and insurance brokerage services.
A Leading Title Loan Operator Serving Retail Customers.
With over 1,800 branches nationwide, we provide vehicle title loans for motorcycles, cars, pickup trucks, and trucks, along with 24/7 emergency cash withdrawal services through ATMs via the TIDLOR Card, as well as the E-Withdrawal feature on the Ngern Tidlor application. Customers can receive funds quickly and conveniently directly into their bank accounts, helping them confidently manage financial emergencies.
No.1 Insurance Broker for Expert Face-To-Face Consultations
With over 5,000 experts across over 1,800 branches nationwide and a 24/7 Call Center at 1501, Shield Insurance Broker is committed to providing professional advice and seamless support at every step—from purchasing to after-sales service—ensuring customers feel confident and assured in every situation.
The Online Platform for Member Sub-Brokers to Efficiently Offer Insurance
Connecting with over 15 leading insurance companies, Areegator empowers its members with a variety of sale tools, wide range of products, price comparison features, and and coverage options tailored to customer needs.
The Digital Insurance Platform for the Modern Age
Offering a wide range of insurance options with 24/7 self-service platform, designed for digital-era consumers who value convenience, transparency, and reliability throughout every step of the service experience.
Lending
The Company is committed to driving continuous and sustainable growth, while maintaining its position as The Leading Financial Inclusion Service Provider. The company focuses on offering financial products and services that are easy to understand, convenient, fast, and transparent. It aims to ensure broad customer access through both branch networks and online channels, including the Ngern Tidlor website, mobile application, Facebook page, and Tidlor Connect on the LINE application.
provides vehicle title loans to individual customers, including motorcycles, cars, pickup trucks, and commercial trucks. It also offers hire purchase loans, primarily for used trucks. With features like a revolving cash card and loan disbursement via mobile application, the service enhances customer access and makes it easier to manage unexpected financial needs.
Go to the websiteNon-Life and Life Insurance Brokerage
The Company offers both non-life and life insurance brokerage services through a modern InsurTech platform that supports an omni-channel service model. Customers can easily access and purchase car, personal accident, life, and health insurance from over 18 leading insurance providers. The business operates under three core brands:
is a leading face-to-face insurance brokerage channel, offering personalized advice and services through over 5,000 licensed staff at Ngern Tidlor branches nationwide. Customers are also supported by Call Center 1501, available 24/7.
Go to the websiteis an online insurance platform that supports members with a comprehensive sales management system and access to a wide range of insurance products. It offers flexible, interest-free installment options for customers without requiring members to advance their own funds. Members can also earn additional income by referring vehicle title loans under the Ngern Tidlor brand. The platform currently has over 10,000 members.
Go to the websiteis a digital insurance brokerage platform for retail customers who wish to compare and buy insurance online independently. The platform offers coverage including car insurance, electric vehicle insurance, travel insurance, health insurance, personal accident insurance, home insurance, and more. It emphasizes convenience, privacy, and customer-centric service, allowing 24/7 access.
Go to the websiteAutomation and Digital Operations
NTL continuously integrates automation and digital operations into core processes, utilizing Robotic Process Automation (RPA) in back-office functions to minimize redundancy, enhance accuracy, and lower operational risks. Centralized dashboards were developed for management to closely monitor branch KPIs. Meanwhile, the insurance business has advanced Straight-through Processing (STP) since 2020. Lending operations automated disbursement via applications and Tidlor Cards. In 2025, 91% of transactions utilized E-Withdrawal or Tidlor Cards, significantly reducing branch administrative and operational burdens.
Currently, NTL continues to advance digital technology and automation innovations. Key ongoing projects include STP for non-motor insurance, paperless lending processes, and automation augmented by Generative AI (Large Language Model: LLM). These initiatives support data collection, analysis, and summarization for operations and decisionmaking, all under appropriate governance frameworks.
InsurTech and Smart Products
NTL continues to strengthen its InsurTech capabilities through digital platforms aimed at elevating product access, transparency, and customer convenience. The Company developed a Multi-brand Insurance Ecosystem comprising the insurance brand serviced via branches, the "Areegator" platform empowering insurance brokers, and the directto- consumer digital insurance platform, "heygoody.com".
Sub - Brokers Empowerment Platform
A digital platform enhancing Sub - brokers efficiency and standards—from quotation and policy issuance to status tracking—strengthening distribution capabilities and customer experience.
Direct Digital Service Platform
A digital insurance platform designed from the customer’s perspective, merging AI and data analytics to deliver fast, transparent, and personalized experiences. Customers can compare and purchase insurance conveniently 24/7.
The core of innovation lies in data and automation, utilizing a Customer Data Platform (CDP), real-time analytics, and AI. Optical Character Recognition (OCR) technology with 99% accuracy enhances customer experience and operational efficiency. This is reflected in tangible results: 94% customer satisfaction and over 3.4 million visitors in 2025, reinforcing heygoody.com’s role as Thailand’s InsurTech leader.
Building Internal AI Culture
NTL prioritizes fostering an AI-driven corporate culture. Management identified Generative AI as a strategic opportunity early on, assessing over 300 use cases across various units. These assessments led to investment in centralized data infrastructure and data governance to systematically support enterprise-wide AI scaling.
Currently, NTL has established an AI Volunteer Community to facilitate knowledge exchange and technology testing. In 2025, 74 Generative AI projects are under development or active, such as OCR document verification systems and internal chatbots to support staff operations.
Additionally, NTL continuously organizes personnel development programs for executives and staff, including Generative AI Mastery for senior management and the TIDLOR AI Hackathon 2025. These initiatives allow crossfunctional teams to develop AI solutions from Proof of Concept to actual deployment. The organization emphasizes AI as a tool to support productivity-not replace human expertise—integrating AI into daily operations for sustainable long-term development.