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
Understand the cost before deciding
Pawn terms and borrowing costs
Service provider: บริษัท ทุนทองมาวิน จำกัด · Company registration 0105555137558
- Minimum repayment term
- 5 months per ticket term
- Maximum repayment term
- 5 months per ticket term
- Maximum annualised interest rate
- 24% per year
Annualised rate = 2% × 12 months, without compounding. This compares monthly interest rates; it is not a cash-flow APR. Partial-month charging is explained below.
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.
Example: THB 10,000 · 5 months
- Principal received
- 10,000 THB
- Monthly interest
- 140 THB
- Interest over 5 months
- 700 THB
- Total fees
- 0 THB
- Total interest and fee cost
- 700 THB
- Total repayment including principal
- 10,700 THB
Assumes unchanged principal for five 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.
Tickets have a five-month term. 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. The five-month term does not prohibit early redemption. 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.
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 →
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 five-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 five full months without reducing principal. Actual ticket totals may differ with dates and payments along the way.
| Amount | Interest / month | Interest over 5 months | Principal + example interest |
|---|---|---|---|
| 1,000 | 20 | 100 | 1,100 |
| 2,000 | 40 | 200 | 2,200 |
| 5,000 | 77.5 | 387.5 | 5,387.5 |
| 10,000 | 140 | 700 | 10,700 |
| 20,000 | 265 | 1,325 | 21,325 |
| 50,000 | 640 | 3,200 | 53,200 |
| 80,000 | 1,015 | 5,075 | 85,075 |
| 100,000 | 1,265 | 6,325 | 106,325 |
Figures are in Thai baht and use the two-tier structure over the same five-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. · Every day, 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
1,325 THB
Estimated total
21,325 THB
See the arithmetic
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.
