Calculator

Pawn interest calculator

Enter an amount and planning period to estimate interest and a total using the published rates. The figures printed on the pawn ticket remain the source of truth.

Interest calculator

Choose an amount and duration to estimate interest and total repayment.

Amount you needTHB

Up to ฿100,000 per ticket — the ceiling set by the Pawnshop Act.

How long you plan to pawn (per pawn ticket)4months½ moUse the dates on the ticket4 mo

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.

Timeline showing the part-month rule: 15 days or fewer counts as half a month, more counts as a full month — How a part-month is counted
The bar is one incomplete month; the divider is day 15.
15 days or fewer: charged as half a month
More than 15 days: charged as a full month
The gold mark is the day-15 line
Pawnshop Act B.E. 2505, section 17 — fractions of a satang are dropped.

Reading the numbers

The rate has two tiers

The first ฿2,000 of principal is charged at 2% a month and the balance at 1.25% a month. The two are added — it is not one flat rate.

How a part-month is rounded

The Pawnshop Act sets this: a remainder of 15 days or fewer is half a month, more than 15 days is a full month. Pawn on the 1st and redeem on the 10th and you owe half a month, not a whole one.

No early-redemption penalty

You can redeem early without a penalty, but interest is not calculated day by day. Redeeming within the same half-month bracket may cost the same. Same-day pawning and redemption is charged as half a month. Ask the branch to confirm the amount before paying.

Interest does not compound

Each month is calculated on the original principal. Unpaid interest is never charged interest of its own.

Other tools

Confirm your figures with the branch

For an existing ticket, ask the issuing branch to check your balance and dates. A new pawn amount is confirmed after staff inspect your item.

Choose a branch

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

Rates, APR explanation and more examples