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Achieve your best with a JN Bank Loan.

Cash secured Loan


  • You must be 18 years or older
  • Valid identification: driver’s licence, passport, voter registration card
  • Proof of address: utility bill, credit card statement or bank statement
  • Tax Registration Number or driver’s licence (Jamaican), Social Security Number  (US resident), Social Insurance Number (Canadian Resident), National Insurance Number (NIN)

Interest Rates

4.5% above the fixed deposit rate

Supersized Loan


  • Borrow up to 12 times your savings*
  • Get up to 5 years to repay
  • Competitive interest rate
  • Low processing fees
  • Conditions apply


  • Use funds for any legitimate purpose
  • Fast approval
  • Interest calculated on reducing balance
  • Leverage your savings

Gain financial freedom with a JN account

Interest Rates

Supersized Loan Interest Rates

←                 Loan Options  – Up to 12 times deposit balances                         →
Ratio of Loan Amount to Collateral Value 2:1 3:1 4:1 5:1 6:1 7:1 8:1 9:1 10:1 11:1 12:1
Applicable Interest Rate
13.25% 15.33% 16.38% 17.00% 17.42% 17.71% 17.94% 18.11% 18.25% 18.36% 18.46%
14.25% 16.67% 17.88% 18.60% 19.08% 19.43% 19.69% 19.89% 20.05% 20.18% 20.29%
15.25% 18.00% 19.38% 20.20% 20.75% 21.14% 21.44% 21.67% 21.85% 22.00% 22.13%
16.25% 19.33% 20.88% 21.80% 22.42% 22.86% 23.19% 23.44% 23.65% 23.82% 23.96%

Frequently Asked Questions

Can I get a loan from JN without collateral to cover emergencies and personal expenses?

Yes you may access an unsecured loan from JN to finance personal expenses.

How long will it take to process my loan application?

Once you have submitted your completed documents and fees, a loan decision will be arrived at within three working days.  If there is a delay, your Loans Officer will contact you.

How long after my loan has been approved does it take for me to receive the funds?

As soon as the conditions for approval of your loan have been met, your funds may be disbursed within two days.

Do I have to come into the branch to apply for a loan?

JN makes doing being business easier. You can apply for a loan at your convenience from our website. However, depending on your ability to provide the required information online, you may need to visit a branch or money shop to complete the application.
You may also contact a mobile loans officer who will visit you at your convenience to assist you with the process and to answer your questions. Click here to contact a mobile loans officer

Can I make my loan payments online?

At JN we make doing business as convenient as possible. You can make your loan payments from your JN account by using our online banking platform LIVE by JN. If you haven’t registered, you may do so by visiting There is no charge to make your payments!