Cover personal expenses with a JN Personal Unsecured Loan from JN Bank.

    Get a SUPERSIZED LOAN to improve your home or cover travel expenses among other things.

    • Borrow up to $5 million
    • Get up to 6 years to repay
    • Competitive interest rates
    • Low processing fee
    • Quick turnaround time
    • Access funds for any legitimate purpose
    • Discounts from over 200 merchants with your JN Card
    • Access to online banking using JN LIVE
    • Free transactions at JN ATMs
    • Borrow up to 12 times your savings*
    • Get up to 6 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
    • You must be a Jamaican 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
    • Proof of income: income verification letter (job letter), or completed JNBS income verification form and last three months’ pay slips
    • Completed statement of affairs – income and expenditure statement
    • Signed loan agreement
    • Signed Salary Deduction Letter/Standing Order form
    • Signed consent to pull credit reports from credit bureaus
    • Signed Promissory Note
    • Bank statements for primary account displaying last 12 months activity, current Financial Statements if available, and Auditor’s Confirmation (Self-employed persons only)
    • Completed Know Your Customer form (if your JN member records need updating)

    Unsecured Loan

    Purpose Finance Interest (EAIR)
    Unsecured Borrow up to $5M 19.5000% – 23.500%

    Supersized Loan

    ←                 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
    Risk Rating Applicable Interest Rate
    R1 – R2 13.25% 15.33% 16.38% 17.00% 17.42% 17.71% 17.94% 18.11% 18.25% 18.36% 18.46%
    R3 – R4 14.25% 16.67% 17.88% 18.60% 19.08% 19.43% 19.69% 19.89% 20.05% 20.18% 20.29%
    R5 15.25% 18.00% 19.38% 20.20% 20.75% 21.14% 21.44% 21.67% 21.85% 22.00% 22.13%
    R6 – R8 16.25% 19.33% 20.88% 21.80% 22.42% 22.86% 23.19% 23.44% 23.65% 23.82% 23.96%

    The JN Bank Lifestyle Loan can be used for any legitimate purpose. The loan purpose must be clearly stated and must be verified by the sales officer using documentary evidence, such as invoices, for loan amounts $500,000 and above. Documentary evidence is not required in circumstances where the financing processing fees, creditor life premiums and/or any other bank related charges have caused the loan amount to be equal to or greater than $500,000.

    Loan repayments are to be made only by way of salary deductions, or standing orders from an account to which the borrower’s income is deposited. Loan repayment is calculated on the reducing balance.

    * 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.