• No collateral required
    • Borrow up to $3 million
    • Get up to five years to repay
    • Available in Jamaican dollars only
    • Processing fee of 1.85% of loan amount, plus GCT; 1.5% of loan amount (if paid out of pocket), plus GCT
    • Compulsory savings of 10% of monthly loan installment
    • Mandatory life insurance
    • Interest calculated on reducing balance


    • Discounts from several merchants across Jamaica with your JN card
    • Access to online banking using JN LIVE
    • Free transactions at JN ATMs
    • 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)
    Purpose Finance Interest
    Unsecured Borrow up to $3M 18.99% – 22.5%
    Interest rates (eair) 20.7332% – 24.9716%

    * 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