FAQ

All loan periods last 4 months and 30 days. At least 1 payment covering the minimum amount due must be made within that period; otherwise, the loan will conclude at the end of the term.

To remain in good standing, a loan payment must be made within 4 months and 30 days. Timely payments can be applied as follows:

1. Pay the interest only to extend the loan.
2. Pay the interest plus a portion of your debt to extend the loan.
3. Repay the loan in full + any accumulated interest charges to redeem your possessions and fulfill your loan agreement.

Interest is 2% per month for the first 2,000 baht and 1.25% per month for any remaining amount over 2,000 baht.

Example:
Loan Amount: 10,000 THB
2,000 THB (2% / month) = 40 THB
+
8,000 THB (1.25% per month) = 100 THB
Total Interest for a 10,000 THB loan is 140 THB per month

Interest charges apply starting on the first day of every scheduled month in your loan term. For each scheduled month that a payment is not made, interest is charged and accumulates each month until a payment is made.

When a payment is made within the first 1–15 days of any scheduled month, interest is charged at a half-month rate for that month.

When a payment is made from day 16 onward, interest is charged as a full month interest rate.

Yes. You may allow another person to make a loan payment on your behalf. The new pledge ticket will remain under the original pledger’s name.

If the following terms are met, another person may redeem your possessions for you.

1. The pledger must place their right thumbprint on the back of the pledge ticket in the authorization section.
2. The authorized person must bring their original ID card and the authorized pledge ticket to the branch on the day of redemption.
3. The pawnshop will verify documents and thumbprints. The authorized person places their thumbprint in the designated section to complete the process.

Yes, you may repay a portion of your loan, with interest, at any time during your loan term. The charge amount will be based on the remaining balance of the original ticket and the date of the payment within your loan term.

Your loan is renewed each time a payment is made that does not repay the entire loan amount and interest, and a new loan ticket is issued based on the remaining amount due.

Yes, if the manager re-appraises the pledged item and approves an additional loan amount.

Yes, provided the remaining pledged items are sufficient to support the outstanding loan balance.

If this condition is met:

• All accrued interest and applicable fees on the original ticket must be paid, and

• The remaining item(s) will be re-evaluated at current shop value

If approved:

• The selected item(s) may be redeemed

• A new pawn ticket may be issued for the remaining item(s), with the loan amount adjusted to reflect their value

Partial redemption will not be permitted if removing an item would result in insufficient collateral to secure the loan.

All partial redemptions are subject to valuation and staff approval at the time of redemption.

Your loan is automatically renewed when the interest payment is properly transacted within the 4-month 30-day loan period.

A payment is considered complete only when it has been entered into the issuing branch’s computer system.
Once entered, a new loan term begins immediately and the renewal is fully finalized, even if you have not yet picked up the new physical pledge ticket.

A new ticket is still prepared for you and should be collected, but the computer system — tied to your ID and thumbprint — is the official legal record of your loan.

All payments must be transacted through the same branch where the loan was originally issued.
A payment is only valid once it has been entered into that branch’s computer server.

You may pay in one of two ways:

1. In person at the issuing branch

   • Payment is entered immediately.

   • Your renewal is finalized on the spot.

   • A new pledge ticket is prepared for you.

2. By bank transfer (with assistance via LINE)

   • You transfer the payment.

   • Send the transfer slip to us on LINE.

   • We contact the issuing branch.

   • They enter the payment into the system and prepare your new ticket.

   • We send you a temporary photo copy of the new ticket.

Whether you pick up the new physical ticket immediately or later, your renewal is already complete as long as the payment has been entered into the branch system.

The physical ticket is recommended for your records, but loan redemption requires only your ID and thumbprint, which are re-verified each time.

Customers may contact the branch directly, in advance of their due date, to request a short grace period. Failure to contact us to arrange and confirm an extension in advance may result in a loan default.

It is recommended to complete your transaction before the holidays. However, customers may complete the transaction on the next business day without incurring additional interest.

Yes, but this does not complete your payment. After the transfer is complete, please contact your branch lender, or contact us on the Line app for assistance with completing your payment.

Normally open from 8:00 AM to 5:30 PM every day, with a few exceptions (See Below).

Please contact us immediately and bring your ID card to the branch where you received your loan.