• 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