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Achieve your best with a JN Bank Loan.


  • Offered in JMD only
  • Access unsecured amounts of up to 30% of annual income (conditions apply)
  • Open-ended loan tenure
  • Low annual fee
  • Creditor life insurance (mandatory or unsecured)


  • No processing fee
  • Competitive interest rates
  • Access to cash via teller in branch, ATM or POS


  • Completed Customer Information Form (CIF)
  • Proof of your address, which may be a recent utility bill in your name or credit card or bank statement
  • Proof of your employment
  • Valid government issued identification card
  • Tax registration number
  • Two (2) references
  • Signed credit report consent form
  • Your pay slips for the last three months
  • A job letter from your employer

Applicable charges

  • Annual facility fee of 0.75% per annum plus GCT
  • $100 per day, plus GCT for late payments
  • Over limit fee, $2,500 plus GCT

Click here to read Terms and Conditions.

Interest Rates

Collateral Interest Rate (EAIR)
Unsecured  17.50% – 20.50% per annum
JN Bank Secured 4.5% above rate offered on Fixed Deposit or 7%, whichever is higher

* Notice of any rate change(s) will be provided in writing, by physical or electronic means, to our customers, 45 calendar days in advance of any such change(s) being implemented