California pawn loan calculator
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EstimateCalifornia
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maximum charge for the first month
- Total charges
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- To get your item back
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- Monthly rate
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Maximum allowed by state law. A pawn shop can charge less; your pawn ticket shows the real amount.
Pawn shops by city in California
California pawn loan rules
| Maximum charge | California caps charges with a table for the first three months and 3% a month after month 3 (Fin. Code §21200.5 and §21201, as described in a 2024 Senate Judiciary analysis). Loans of $2,500 or more are exempt from those limits. |
| Other fees | Setup charge described in 2024: the greater of $7.50 or 3.5%, up to $90. |
We have not yet confirmed the full 2026 table, so the calculator uses the rate on your ticket.
Before you pawn in California
- Bring a valid government-issued photo ID.
- Ask for the total to redeem on the due date and the last day of the grace period.
- Compare at least two shops: see pawn shops in Los Angeles or Bakersfield.
- Read how pawn loans work and what happens if you don't pay.
Questions
How much can a pawn shop charge in California?
California caps charges with a table for the first three months and 3% a month after month 3 (Fin. Code §21200.5 and §21201, as described in a 2024 Senate Judiciary analysis). Loans of $2,500 or more are exempt from those limits. Ask the shop for the monthly charge in writing and check it on your pawn ticket.
How many pawn shops are listed in California?
148 pawn shops in 13 cities: Los Angeles, Bakersfield, Fresno, San Francisco, Sacramento, Riverside and more.
Sources
- Análisis oficial de SB1198 (2024), describe derecho entonces vigente; FC21051,21200,21200.1,21200.5: sjud.senate.ca.gov