Calculate before deciding
Rates and costs to understand
See how interest is calculated and compare costs for different amounts. Plan before pawning, then check that the figures and dates on your ticket match what you agreed.
On the first ฿2,000
2%
per month
On the balance above ฿2,000
1.25%
per month
Your pawn ticket
Ticket figures and dates govern
Ask the issuing branch to confirm status
How the interest is calculated
Interest is charged in two tiers, not at a single flat rate. The first ฿2,000 of principal is charged at 2% a month; everything above that is charged at 1.25% a month. The two are then added together.
Two tiers, added together
The bar is one principal amount, split into two portions charged at different rates.
- The first ฿2,000, at 2% a month
- Everything above ฿2,000, at 1.25% a month
- The two arrows merge into one monthly interest figure
Example, ฿20,000: 40 + 225 = ฿265 a month — not 2% of the whole amount.
Worked example: ฿20,000
This is an arithmetic example for a four-month planning period, not a confirmed total for any ticket. The actual amount depends on the chargeable period and the ticket details.
What we want you to know first
- The examples and calculator treat a part-month of 15 days or fewer as half a month, and more than 15 days as one month.
- If you want to pay interest, redeem, or act before a date on the ticket, ask the issuing branch to confirm the amount, status and procedure first.
- The calculator and tables are planning aids; they do not alter the information on a pawn ticket.
- Check the amount, rate, dates, item description and terms on the ticket before deciding.
Planning example table
Compare monthly interest with the total cost of four full months without reducing principal. Actual ticket totals may differ with dates and payments along the way.
| Amount | Interest / month | Interest over 4 months | Principal + example interest |
|---|---|---|---|
| 1,000 | 20 | 80 | 1,080 |
| 2,000 | 40 | 160 | 2,160 |
| 5,000 | 77.5 | 310 | 5,310 |
| 10,000 | 140 | 560 | 10,560 |
| 20,000 | 265 | 1,060 | 21,060 |
| 50,000 | 640 | 2,560 | 52,560 |
| 80,000 | 1,015 | 4,060 | 84,060 |
| 100,000 | 1,265 | 5,060 | 105,060 |
Figures are in Thai baht and use the two-tier structure over the same four-month example period. A real ticket’s status and dates may differ.
Fees
There is no appraisal fee. Before signing, check every rate, amount, date and cost on the ticket. For an existing ticket or a special situation, confirm with the issuing branch before acting.
Calculate interest| Appraisal | No appraisal fee |
| Interest | Uses the two-tier structure above |
| Existing-ticket amount | Confirm with the issuing branch |
| Lost ticket or a special situation | Ask the issuing branch before acting |
Run your own numbers
Enter an amount and duration to estimate interest and total repayment, with a step-by-step breakdown.
Use it as a planning estimate and always check the actual ticket. · Regular hours: daily, 8:00 AM–6:00 PM
Interest calculator
Choose an amount and duration to estimate interest and total repayment.
Up to ฿100,000 per ticket — the ceiling set by the Pawnshop Act.
Interest per month
265 THB
Total interest
1,060 THB
Estimated total
21,060 THB
See the calculation
This is a planning estimate using Money OK’s published rates, not a confirmed amount. Check the figures, dates and terms printed on the pawn ticket before deciding.
Estimates do not yet deduct any extra interest waived for a branch closure. Confirm the amount with the issuing branch before paying.
Understand the cost before deciding
Pawn terms and borrowing costs
Service provider: บริษัท ทุนทองมาวิน จำกัด · Company registration 0105555137558
- 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.
Monthly interest rates
- First THB 2,000
- 2%
- Only the portion above THB 2,000
- 1.25%
- All other fees
- 0 THB
No appraisal fee, service charge, penalty or other fee besides interest. There is also no additional renewal, principal-reduction or early-redemption fee.
Example: THB 10,000 · 4 months
- Principal received
- 10,000 THB
- Monthly interest
- 140 THB
- Interest over 4 months
- 560 THB
- Total fees
- 0 THB
- Total interest and fee cost
- 560 THB
- Total repayment including principal
- 10,560 THB
Assumes unchanged principal for four full months, repaid at maturity, without renewal or principal reductions. It does not guarantee an approved amount. Other periods, principal changes or renewals change the cost.
Every ticket has a four-month term and an additional 30-day grace period. You may pay interest to renew on an ongoing basis, or make principal reductions. Paying interest alone does not reduce principal, and another term incurs further interest. Check the amount and dates on each ticket issued by the branch.
You may voluntarily pay interest or redeem before maturity. Count the pawn date, not the redemption date. Same-day pawning and redemption counts as one day with half-month interest. A partial month of up to 15 days is charged as half a month; more than 15 days is charged as one month, not a daily pro-rata rate.
Maximum annualised interest: 24% per year
APR and annual interest: what is the difference?
APR (Annual Percentage Rate) expresses annual borrowing cost, taking interest, fees and the repayment method into account. The 24% shown here is 2% × 12 months without compounding. It is not a cash-flow APR or a ceiling on the cost annualised over every possible actual borrowing period.
The first THB 2,000 annualises to 24%; only the portion above THB 2,000 annualises to 15%. Rates apply separately to each band, not 15% to the entire principal. There are no fees other than interest.
Early redemption is charged in half-month or full-month periods, not daily pro rata. For example, pawning THB 10,000 and redeeming on the same day incurs half-month interest: THB 70 interest, THB 0 fees and THB 10,070 total repayment, even though the actual borrowing period is shorter than half a month.
Monthly rates and partial months: Thai Pawnshop Act, Section 17 ↗
Pawning uses your item as collateral. Failure to meet payment and other conditions can result in loss of the item. Check the amounts and dates on your ticket, and contact the branch before maturity. Calculation details →
