English

ใช้ หนี้

“ใช้ หนี้” (чай ний) — to pay off a debt in Thai. Phrase, level A2. Literally "spend on the debt": the first word here is not "use" but to settle. A debt in Thai is not returned — it is paid off. In a live sentence: “ต้อง ใช้ หนี้ ทุก เดือน” — The debt must be paid off every month. Written with the characters ใ, ช, ้, ห, น, ี, ้. A word from the everyday Thai course, level A2.

Updated September 1, 2026 · Lingofly

In short

“to pay off a debt” in Thai
Written in Thaiใช้ หนี้
Read in Latin lettersчай ний
Translationto pay off a debt
Part of speechphrase
LevelA2

Why it looks that way

Literally "spend on the debt": the first word here is not "use" but to settle. A debt in Thai is not returned — it is paid off

A word with a story stays in memory longer than one learned as a “spelling — translation” pair: memory holds on to meaning, not to a string.

In a live sentence

A single word almost never appears alone in conversation. A sentence shows where it fits and what stands next to it.

  • ต้อง ใช้ หนี้ ทุก เดือน
    тонг чай ний тхук дыан
    The debt must be paid off every month

How not to forget this word

Reading a word and remembering it are different jobs. A day later, little survives of a single reading — and that is not bad memory, that is how memory works.

Frequently asked

How do you say “to pay off a debt” in Thai?

«ใช้ หนี้», read “чай ний”. In a live sentence: “ต้อง ใช้ หนี้ ทุก เดือน” — The debt must be paid off every month. Phrase, level A2; written with the characters ใ, ช, ้, ห, น, ี, ้.

How is “ใช้ หนี้” written in Latin letters?

чай ний. This is a practical spelling — you need it to read aloud and be understood, not to meet an academic standard.

Why does this word look the way it does?

Literally "spend on the debt": the first word here is not "use" but to settle. A debt in Thai is not returned — it is paid off. A word with a story stays in memory longer than a “spelling — translation” pair: memory holds on to meaning, not to a string.

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