How it works

Know the process before you decide

Bring the right identification, have the item inspected, read every figure on the ticket and decide only when you are comfortable. Some details may vary by item and branch.

Bring identification and the item

Customers must be at least 15. Bring your original Thai ID and the item. If you use other identification, call to confirm the requirements before visiting. Ask first before moving a large or specialist item too.

Have the item inspected at a branch

Staff check the relevant details, such as type, weight, model, condition or operation. Appraisal is free. Photos can support a preliminary enquiry, but the final amount requires an in-person inspection.

Read the figures before deciding

Review the amount, interest rate, dates and item description on the ticket. Proceed only if you agree, then receive payment by the method the branch confirms.

Keep the ticket and contact the issuing branch

The pawn ticket is the main record for renewal or redemption. Keep the original and ask the issuing branch to confirm status, amount, dates and documents before travelling.

Before signing

Check that the ticket matches what was agreed

If a field is unclear or a detail does not match, ask before deciding. Do not treat a website calculator as a substitute for the figures on your ticket.

See the rate structure

Diagram of a pawn ticket showing where each field sits — The fields on a pawn ticket
A typical ticket has eight main fields — read the left column top to bottom, then the right.
Pawner’s full name
Item description: type and features
Amount advanced (principal)
Date of pawn
Ticket number
Weight, or a relevant serial number
Monthly interest rate
Due date, and the issuing branch’s name and contact (gold-edged field)
Check every field against what was agreed before signing. Ask about any blank or unreadable field.

Illustration of what to bring to a branch — Three things to bring to a branch
Original Thai ID — call the branch first if you use other identification
The actual item to be inspected
Supporting papers, certificate, box or original accessories, if you have them
Customers must be at least 15. For a large or specialist item, call the branch before transporting it.

Regular hours: daily, 8:00 AM–6:00 PM

Choose a branch and call before travelling

For a large or specialist item, or an existing ticket, speaking with the relevant branch helps you prepare before making the trip.

Choose a branch to call

MONEY OK / GUIDES

Answers for your first visit

All guides

Branch services · 3 min

Your first pawnshop visit: what to bring and what to check

A practical checklist for a first visit to Money OK: documents, appraisal, interest, your ticket and collecting your item.

Read more Branch services · 3 min

Four-month pawn tickets and 30 days of grace: renewal and redemption

Understand Money OK’s four-month ticket and additional 30-day grace period and how renewal differs from reducing principal or collecting your item.

Read more Branch services · 3 min

Pawn interest and principal: what are you actually paying?

A THB 10,000 example, the two-tier monthly rate and why an interest payment does not reduce principal.

Read more

Know the term and cost before pawning

Monthly interest is 2% on the first THB 2,000 and 1.25% only on the excess. Appraisal, service, renewal, principal-reduction, early-redemption and all other fees or penalties: THB 0.

Term of every ticket: 4 months per ticket term
Term including the grace period: 4 months plus a 30-day grace period

Every ticket has a four-month term and an additional 30-day grace period.

Example: THB 10,000 unchanged for 4 full months. Monthly interest THB 140; total interest THB 560; fees THB 0; total repayment THB 10,560. No renewal or interim principal reduction. This is not a guaranteed appraisal.

Count the pawn date, not the redemption date. Same-day redemption counts as one day with half-month interest. A partial month of up to 15 days costs half a month; more than 15 days costs a full month.

Pay interest to renew, or reduce principal. If interest is not paid by the deadline, the pledged item will be forfeited.

Maximum annualised interest: 24% per year

24% = 2% × 12 without compounding. This is not a cash-flow APR or a ceiling on the cost annualised over every possible actual borrowing period.

Service provider: บริษัท ทุนทองมาวิน จำกัด · Company registration 0105555137558

Rates, APR explanation and more examples