Should I pawn my gold or sell it?
Compare keeping the option to redeem your item with selling it, including interest, deadlines and repayment planning.
Example items; some may have been sold. Check with the branch before visiting.
Start with one question: do you want this particular piece of gold back? Pawning lets you redeem it by paying the principal and interest within the ticket conditions. Selling transfers the item to a new owner.
Do you want this particular piece back?
Family jewellery and gifts may have personal value beyond their metal content. If you pawn, make sure you understand the ticket and can manage the payments. Check the repayment dates and allow for both interest and principal.
Plan what you will need to repay
Interest continues while the arrangement remains in place. Paying interest to renew does not reduce principal. If you want to reduce the amount owed, discuss a principal payment with the issuing branch and check the updated record.
Compare actual offers
Consider the net amount, total costs, dates and your ability to repay without affecting essential spending. A calculator helps planning but is not an approval or a guaranteed offer. If repayment is uncertain, take time to reconsider.
Ask before deciding
Money OK’s appraisal is free, with no obligation to proceed. Read about ticket terms and the grace period, check rates and speak with a branch.
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
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.
3 minPawn 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 minHow is a gold pawn amount assessed?
Why weight, purity, condition and an in-person inspection matter—and why a market gold price is not a pawn offer.
3 min