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Pawnbroker Rate Charts +

Pawnbroker Rate Charts

The tables below show the maximum finance charge per 30-day period. Pawnbrokers may charge less than the amounts listed below. (TERM: 60-days maximum initially; plus at least one extension of one month.)

SPECIAL NOTE: For loan amounts greater than $8,000, the annual percentage rate cap is 18%

Loan Amount Finance Charge APR
$101 $25.25 300%
$102 $25.50 300%
$103 $25.75 300%
$104 $26.00 300%
$105 $26.25 300%
$106 $26.50 300%
$107 $26.75 300%
$108 $27.00 300%
$109 $27.25 300%
$110 $27.50 300%
$115 $28.75 300%
$120 $30.00 300%
$125 $31.25 300%
$130 $32.50 300%
$135 $33.75 300%
$140 $35.00 300%
$145 $36.25 300%
$150 $37.50 300%
$155 $38.75 300%
$160 $40.00 300%
$165 $41.25 300%
$170 $42.50 300%
$175 $43.75 300%
$180 $45.00 300%
$185 $46.25 300%
$190 $47.50 300%
$195 $48.75 300%
$200 $50.00 300%
Loan Amount Finance Charge APR
$201 $50.25 300%
$202 $50.50 300%
$203 $50.75 300%
$204 $51.00 300%
$205 $51.25 300%
$206 $51.50 300%
$207 $51.75 300%
$208 $52.00 300%
$209 $52.25 300%
$210 $52.50 300%
$215 $53.75 300%
$220 $55.00 300%
$225 $56.25 300%
$230 $57.50 300%
$235 $58.75 300%
$240 $60.00 300%
$245 $61.25 300%
$250 $62.50 300%
$255 $63.75 300%
$260 $65.00 300%
$265 $66.25 300%
$270 $67.50 300%
$275 $68.75 300%
$280 $70.00 300%
$285 $71.25 300%
$290 $72.50 300%
$295 $73.75 300%
$300 $75.00 300%
Loan Amount Finance Charge APR
$301 $75.25 300%
$302 $75.50 300%
$303 $75.75 300%
$304 $76.00 300%
$305 $76.25 300%
$306 $76.50 300%
$307 $76.75 300%
$308 $77.00 300%
$309 $77.25 300%
$310 $77.50 300%
$315 $78.75 300%
$320 $80.00 300%
$325 $81.25 300%
$330 $82.50 300%
$335 $83.75 300%
$340 $85.00 300%
$345 $86.25 300%
$350 $87.50 300%
$355 $88.75 300%
$360 $90.00 300%
$365 $91.25 300%
$370 $92.50 300%
$375 $93.75 300%
$380 $95.00 300%
$385 $96.25 300%
$390 $97.50 300%
$395 $98.75 300%
$400 $100.00 300%
Loan Amount Finance Charge APR
$401 $100.25 300%
$402 $100.50 300%
$403 $100.75 300%
$404 $101.00 300%
$405 $101.25 300%
$406 $101.50 300%
$407 $101.75 300%
$408 $102.00 300%
$409 $102.25 300%
$410 $102.50 300%
$415 $103.75 300%
$420 $105.00 300%
$425 $106.25 300%
$430 $107.50 300%
$435 $108.75 300%
$440 $110.00 300%
$445 $111.25 300%
$450 $112.50 300%
$455 $113.75 300%
$460 $115.00 300%
$465 $116.25 300%
$470 $117.50 300%
$475 $118.75 300%
$480 $120.00 300%
$485 $121.25 300%
$490 $122.50 300%
$495 $123.75 300%
$500 $125.00 300%
Loan Amount Finance Charge APR
$501 $125.20 300%
$502 $125.40 300%
$503 $125.60 300%
$504 $125.80 299%
$505 $126.00 299%
$506 $126.20 299%
$507 $126.40 299%
$508 $126.60 299%
$509 $126.80 299%
$510 $127.00 299%
$515 $128.00 298%
$520 $129.00 298%
$525 $130.00 297%
$530 $131.00 297%
$535 $132.00 296%
$540 $133.00 296%
$545 $134.00 295%
$550 $135.00 294%
$555 $136.00 294%
$560 $137.00 294%
$565 $138.00 293%
$570 $139.00 293%
$575 $140.00 292%
$580 $141.00 292%
$585 $142.00 291%
$590 $143.00 291%
$595 $144.00 290%
$600 $145.00 300%
Loan Amount Finance Charge APR
$601 $145.20 290%
$602 $145.40 290%
$603 $145.60 290%
$604 $145.80 290%
$605 $146.00 290%
$606 $146.20 289%
$607 $146.40 289%
$608 $146.80 289%
$609 $146.80 289%
$610 $147.00 289%
$615 $148.00 289%
$620 $149.00 288%
$625 $150.00 288%
$630 $151.00 288%
$635 $152.00 287%
$640 $153.00 287%
$645 $154.00 287%
$650 $155.00 286%
$655 $156.00 286%
$660 $157.00 285%
$665 $158.00 285%
$670 $159.00 285%
$675 $160.00 284%
$680 $161.00 284%
$685 $162.00 284%
$690 $163.00 283%
$695 $164.00 283%
$600 $165.00 283%
Loan Amount Finance Charge APR
$701 $165.20 283%
$702 $165.40 283%
$703 $165.60 283%
$704 $165.80 283%
$705 $166.00 283%
$706 $166.20 282%
$707 $166.40 282%
$708 $166.60 282%
$709 $166.80 282%
$710 $167.00 282%
$715 $168.00 282%
$720 $169.00 282%
$725 $170.00 281%
$730 $171.00 281%
$735 $172.00 281%
$740 $173.00 280%
$745 $174.00 280%
$750 $175.00 280%
$755 $176.00 280%
$760 $177.00 279%
$765 $178.00 279%
$770 $179.00 279%
$775 $180.00 279%
$780 $181.00 278%
$785 $182.00 278%
$790 $183.00 278%
$795 $184.00 278%
$800 $185.00 277%
Loan Amount Finance Charge APR
$801 $185.20 277%
$802 $185.40 277%
$803 $185.60 277%
$804 $185.80 277%
$805 $186.00 277%
$806 $186.20 277%
$807 $186.40 277%
$808 $186.60 277%
$809 $186.80 277%
$810 $187.00 277%
$815 $188.00 277%
$820 $189.00 277%
$825 $190.00 276%
$830 $191.00 276%
$835 $192.00 276%
$840 $193.00 276%
$845 $194.00 275%
$850 $195.00 275%
$855 $196.00 275%
$860 $197.00 275%
$865 $198.00 275%
$870 $199.00 274%
$875 $200.00 274%
$880 $201.00 274%
$885 $202.00 274%
$890 $203.00 274%
$895 $204.00 274%
$900 $205.00 273%
Loan Amount Finance Charge APR
$901 $120.20 273%
$902 $120.40 273%
$903 $120.60 273%
$904 $120.80 273%
$905 $206.00 273%
$906 $206.20 273%
$907 $206.40 273%
$908 $206.80 273%
$909 $206.80 273%
$910 $207.00 273%
$915 $208.00 273%
$920 $209.00 273%
$925 $210.00 272%
$930 $211.00 272%
$935 $212.00 272%
$940 $213.00 272%
$945 $214.00 272%
$950 $215.00 272%
$955 $216.00 271%
$960 $217.00 271%
$965 $218.00 271%
$970 $219.00 271%
$975 $220.00 271%
$980 $221.00 271%
$985 $222.00 270%
$990 $223.00 270%
$995 $224.00 270%
$1000* $225.00 270%

*To calculate the APR for loans greater than $1,000, perform the following steps:

  1. 500 ÷ Loan amount = a
  2. (Loan amount – 500) ÷ Loan amount = b
  3. a x 12 x 25 = c
  4. b x 12 x 20 = d
  5. c + d = APR

To calculate the maximum finance charge for loans greater than $1,000, perform the following steps:

  1. 500 x 0.25 = a
  2. (Loan amount - 500) x 0.20 = b
  3. a + b = Maximum Finance Charge

For loan amounts greater than $1,000, you can also use our Pawn Shop Calculation Tool (XLS) to calculate the Maximum Finance charge.


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