Feel free to ask any questions about our products or appraisals!

Kanteikyoku Pawn 3 Points

1. Safe Loan, No Screening

Borrow money on the same day in about 5 minutes based on your item, without screening. Return the money to get your item back, or forfeit the item if you choose not to repay

2. On-the-spot Assessment

Bring your Driver’s License,Passport, or Residence Card. We assess the item on the spot.
Receive cash in as little as 5 minutes.

3. Flexible Repayment Plan

We inform you of the maximum loan limit. You decide how much to borrow. Extend the period by paying only the interest.

Pawned Items and Loan Examples

Smartphone（iPhone17）

Manufacturer	APPLE
Model and Details	iPhone17 256GB
Date ofPurchase	12/2026
Loan Amount	Approx. 50,000 yen

Wedding Rings

Manufacturer	Cartire
Model and Details	LOVE Ring
Date ofPurchase	Purchased about 10 years ago
Loan Amount	Approx. 50,000 yen

Home Appliances (Game Consoles)

Manufacturer	Nintendo
Model and Details	Nintendo Switch EL Model
Date ofPurchase	About half a year ago
Loan Amount	Approx. 13,000 yen

Wristwatch

Manufacturer	ROLEX
Model and Details	Datejust　Ref.16233
Date ofPurchase	Purchased about 25 years ago
Loan Amount	Approx. 500,000 yen

 

Pawn System Guide & Rules

The standard forfeiture deadline is exactly 3 months from the date of pawning. You can redeem your item at any time
before the deadline. If you cannot pay the principal, paying only the interest extends the deadline.

• Interest is calculated per month, not prorated daily.
• If pawned on the 31st and the next month only has 30 days, the deadline falls on the 30th.
• You can pawn the same item as many times as you like.
• Past pawn history does not negatively affect future appraisals.

Interest Changes by Passed Months

Example: Wallet (10,000 yen loan, 8% interest per month)

First, let’s calculate the interest (pawn fee) per month.

• Loan Amount: 10,000 yen

• 1 Month’s Interest (8%): 10,000 yen × 0.08 = 800 yen

Applying this to the pawnshop system, it works as follows:

1. Basic Rule (The First 3 Months)

From the day you deposit your wallet and borrow 10,000 yen, the initial deadline (deposit period) is 3 months later.

To get your wallet back within this period, you must pay the borrowed principal and the interest up to that month.

• Returning within 1 month: Principal 10,000 yen + Interest 800 yen = Total 10,800 yen

• Returning at the 3-month limit: Principal 10,000 yen + Interest 2,400 yen (800 yen × 3 months) = Total 12,400 yen

2. If You Want to Extend the Deadline

If you are in a situation where “I can’t come up with the 10,000 yen principal right now, but I don’t want to part with my wallet (I don’t want it to be forfeited),” you can extend the deadline by paying just the interest (800 yen/month).

Extension Period	Interest (Pawn Fee) to Pay	Calculation
1-month extension	800 yen	800 yen × 1 month
2-month extension	1,600 yen	800 yen × 2 months
3-month extension	2,400 yen	800 yen × 3 months

In this way, it is a simple calculation: “If you want a 1-month extension, you pay 800 yen.” As long as you continue paying this, the deadline for your wallet will continue to be extended accordingly.

Guide to Pawning (5 Steps)

Step 1: On-the-spot Assessment

We immediately assess the item you bring to the store.

Step 2: Decide Loan Amount

You choose the amount to borrow up to the maximum limit.

Step 3: ID Verification

We check your official ID (Driver’s License, Passport, etc.).

Step 4: Receive Ticket & Cash

Keep your pawn ticket safe! It contains important personal details and the due date.

Step 5: Three Choices at Deadline

1. Redeem (Pay principal + interest)
2. Extend (Pay interest only)
3. Forfeit (Keep the money, lose the item with no debt).

About Pawn Interest (Fees)

At “Kanteikyoku,” pawn interest (fees) is calculated using the “Full-Month Calculation” method.

This means that interest is charged in increments of one full month. Specifically, you can redeem your pawned item by paying the principal along with the interest based on the following timeline, counting from the day the item was pawned:

• Within 1 month: Principal + 1 month of interest

• Within 2 months: Principal + 2 months of interest

• Within 3 months: Principal + 3 months of interest

Note: The interest rate decreases as the loan amount increases.

Kanteikyoku Interest Rates & Terms

Loan Amount	Monthly Interest Rate
¥1,000 – ¥50,000	8%
¥51,000 – ¥100,000	7%
¥101,000 – ¥500,000	6%
¥501,000 – ¥999,000	5%
¥1,000,000 and above	4%

Legal Compliance Note

Regarding loan contracts in the pawnbroking industry, the Contributions Act allows for interest rates up to 109.5% annually, with a maximum monthly rate of 9%. Kanteikyoku’s rates remain well below this legal ceiling.

Repayment & Deadlines

• Earliest Repayment: You can repay the loan and retrieve your item as early as the very same day you pawned it.

• Pawn Deadline (Forfeiture): The standard storage period is exactly 3 months, counting from the day the item was pawned.

• Extending the Deadline: If you cannot repay the full amount by the deadline, you can extend your storage period simply by paying the interest due. As long as you keep up with the monthly interest payments, the forfeiture deadline will continue to be extended.

Extending the Deadline via Interest Payments

If you cannot make arrangements to redeem your item by the deadline, you can extend the storage period by paying the pawn interest (fees).

• Extension Period: The deadline will be extended by the exact number of months of interest you pay.

• Payment Terms: While interest payments are generally made in 3-month increments, you can also choose to pay on a month-by-month basis.