How are pawn days counted? The 15-day and 16-day difference
Money OK includes the pawn date and excludes the redemption date. See clear examples of partial-month interest.
Money OK service and branch photographs.
Money OK includes the pawn date but excludes the redemption date. For example, pawning on 1 September and redeeming on 16 September means counting 1–15 September: 15 days. Pawning and redeeming on the same day counts as a minimum of one day, charged as half a month.
Weekends and holidays
Count calendar dates, not only working days. Weekends and public holidays within the period are included. Branches open daily, 08:00–18:00, including public holidays, except announced closure dates. Sending a message after closing does not itself complete redemption.
If your ticket falls due on a branch holiday
If your ticket falls due on a day the issuing branch is closed, its forfeiture date moves to that branch’s next working day.
If the closure would cause additional interest on your ticket, we waive that extra interest when you complete the transaction on the next working day. This applies only to extra interest caused by the branch closure. Existing interest remains payable. Complete your transaction during the issuing branch’s opening hours on its next working day.
View the annual opening calendar
Partial-month examples
A partial month of 15 days or fewer is charged as half a month; more than 15 days is one month, under section 17 of the Pawnshop Act.
| Pawn date | Redemption date | Days counted | Chargeable period |
|---|---|---|---|
| 1 September | 1 September (same day) | 1 | Half a month |
| 1 September | 2 September | 1 | Half a month |
| 1 September | 16 September | 15 | Half a month |
| 1 September | 17 September | 16 | One month |
For longer periods, separate complete months and the remaining part using the ticket dates; this table is not a universal 30-day-month rule.
A money example
For unchanged principal of THB 10,000, full-month interest is THB 140: THB 40 on the first THB 2,000 plus THB 100 on the remaining THB 8,000. Half-month interest is THB 70. This assumes no previous unpaid interest, intervening payments or promotional rate. There are no additional fees beyond interest.
Interest periods are not forfeiture dates
Every ticket has a four-month term and an additional 30-day grace period. Check its printed date and contact the issuing branch about its status. Do not infer a forfeiture date from this calculation. Money OK counts pawning and redeeming on the same day as one day and charges half a month’s interest, not zero. Ticket guide · Confirm your balance.
Sources
Questions about your visit
Have a question? Talk to your branch
For an existing ticket, ask the issuing branch about your balance and documents. If this is your first visit, staff can explain how it works.
Related reading
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.
3 minFour-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.
3 min
Is Money OK open on weekends and public holidays?
Everyday branch hours, choosing the correct branch and checking your item or ticket before travelling.
3 min