Which action fits your plan?

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.

Not ready to collect the item: ask for the interest needed to renew and check the new due date.
Want to reduce principal: tell staff and ask for a breakdown separating interest from the principal payment.
Ready to collect: ask for the redemption balance and required documents. Early redemption is allowed.

Start with the pawn ticket

Read the branch, item details, amount and dates printed on your ticket. General website information cannot determine the status of an individual ticket.

Contact the issuing branch

Give the ticket number and ask the branch to confirm the current status, amount, available options and documents required before you travel.

If the ticket is lost or unclear

If the ticket is lost, damaged, illegible or appears incorrect, contact the issuing branch before taking any other step and follow the procedure it confirms for your ticket.

In pictures

Diagram showing the renew and redeem paths — At the due date, two paths
From the current ticket, the path reaches a decision point and forks.
Your current ticket
Decision point: before or at the due date
Upper path, renew: pay interest for another four-month ticket term with a further 30-day grace period. Without a principal reduction the principal stays the same, and the item stays at the branch
Lower path, redeem: pay principal plus interest and take the item home
Renewal issues a new ticket rather than extending the old one — keep the new ticket in place of the old.

Timeline of a pawn ticket showing the contract period and the following reference window — The timeline of a pawn ticket
A guide to the timeline, not a check of a real ticket’s status.
First point: the day the ticket is issued
Solid bar: the four-month ticket term, with interest over time
Faint bar: a further 30-day grace period; confirm the actual dates with the issuing branch
Last point: check the ticket date and confirm status with the branch; this image does not determine forfeiture
Interest-paid renewal, principal reduction and voluntary early redemption are available. The branch-issued ticket’s figures and dates govern.

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

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