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Modern time
The Chinese conditions are decidedly favorable to a borrower. He may, as a rule, take three years to redeem his property, and he cannot be charged a higher rate than 3% per annum.In the United Kingdom typical high street pawn interest rates vary between 5% to 12% gross '''per month''' and the average annual equivalent rate is 85%.{{cite web
| url = http://www.thisismoney.co.uk/news/article.html?in_article_id=394386&in_page_id=5
| title = Pawn Shop Rip-off
| accessdate = 2007-01-02
|date= [[2004-11-12]]
| work = www.thisismoney.co.uk
}}
The pawnbroker in the United States is generally subject to considerable legal restriction. Each state has its own regulations regarding pawnbrokers, generally regulating the amount of interest that is allowed to be charged on a collateral loan. In Massachusetts, a 2007 Boston Globe investigation suggested 10% monthly interest was not uncommon.{{cite web
|url=http://www.boston.com/news/local/articles/2007/04/30/state_fails_to_curb_usurious_pawnshop_rates/?page=1
|title=State fails to curb usurious pawnshop rates: Little oversight as poor bear brunt
|first=Donna
|last=Roberson
|publisher=Boston Globe
|date=2007-04-30}}
In the state of New York, interest at pawnshops is limited to 4% per month.{{cite web
|url=http://www.nytimes.com/2007/09/14/nyregion/14pawn.html
|title=Cash to Get By Is Still Pawnshop’s Stock in Trade
|publisher=New York Times
|date=September 14, 2007
|accessdate=2007-09-14
|first=Manny
|last=Fernandez
}}