• Offered in JMD only
    • Access unsecured amounts of up to 30% of annual income (conditions apply)
    • Access up to 80% of cash on Certificate of Deposit or investment with JN Fund Managers to Line of Credit
    • 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

    If your customer information with JN Bank is not up to date you will need to provide:

    • 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.

    Collateral Interest Rate (EAIR)
    Unsecured 17.5000% per annum
    JN Bank Secured 3.0000% above interest rate offered

    * 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


    Please be advised that the JN LIVE Business platform is currently unavailable.

    This is due to an issue with a service provider.

    JN Bank regrets any inconvenience caused. We are working to resolve the issue as quickly as possible.

    An update will be provided as soon as the system returns to full service.