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 →