Sort by Cheapest (calculated) Rate from Rate up to Max term Max amount Processing fee Insurance (per year)
National Housing Trust (NHT) Indicative Total cost of credit J$25,000 interest J$0 + fees J$10,000 + insurance/other J$15,000
Monthly payment J$27,778 you repay J$1,025,000 in all
Effective rate incl. fees 1.64% at 0%
Loan type mortgage
Lender government
Rate from 0%
Rate up to 5%
Rate type fixed
Max term 360 months
Max amount J$7,500,000
Processing fee 0%
Insurance (per year) 0.5%
Benefit limits and income bands apply. Can be combined with a bank or JN mortgage.
Development Bank of Jamaica (DBJ) Indicative Total cost of credit J$105,190 interest J$95,190 + fees J$10,000
Monthly payment J$30,422 you repay J$1,105,190 in all
Effective rate incl. fees 6.88% at 6%
Loan type business
Lender development bank
Rate from 6%
Rate up to 12%
Rate type fixed
Max term 120 months
Max amount J$200,000,000
Processing fee 1%
Insurance (per year) —
DBJ wholesale funds are lent through banks, credit unions and MFIs; the AFI sets the final rate.
Development Bank of Jamaica (DBJ) Indicative Total cost of credit J$105,190 interest J$95,190 + fees J$10,000
Monthly payment J$30,422 you repay J$1,105,190 in all
Effective rate incl. fees 6.88% at 6%
Loan type agriculture
Lender development bank
Rate from 6%
Rate up to 11%
Rate type fixed
Max term 120 months
Max amount J$100,000,000
Processing fee 1%
Insurance (per year) —
Total cost of credit J$110,190 interest J$95,190 + insurance/other J$15,000
Monthly payment J$30,422 you repay J$1,110,190 in all
Effective rate incl. fees 7.14% at 6%
Loan type education
Lender government
Rate from 6%
Rate up to 9.5%
Rate type fixed
Max term 96 months
Max amount J$2,500,000
Processing fee 0%
Insurance (per year) 0.5%
Total cost of credit J$126,575 interest J$111,575 + fees J$15,000
Monthly payment J$30,877 you repay J$1,126,575 in all
Effective rate incl. fees 8.33% at 7%
Loan type export / trade
Lender development bank
Rate from 7%
Rate up to 11%
Rate type fixed
Max term 84 months
Max amount J$150,000,000
Processing fee 1%
Insurance (per year) —
JMD and USD facilities. Short-term trade financing, lines of credit and medium-term loans.
Total cost of credit J$138,109 interest J$128,109 + fees J$10,000
Monthly payment J$31,336 you repay J$1,138,109 in all
Effective rate incl. fees 9.04% at 8%
Loan type business
Lender development bank
Rate from 8%
Rate up to 12%
Rate type fixed
Max term 60 months
Max amount J$25,000,000
Processing fee 1%
Insurance (per year) —
First Heritage Co-operative Credit Union Indicative Total cost of credit J$154,790 interest J$144,790 + fees J$10,000
Monthly payment J$31,800 you repay J$1,154,790 in all
Effective rate incl. fees 10.13% at 9%
Loan type education
Lender credit union
Rate from 9%
Rate up to 12%
Rate type fixed
Max term 60 months
Max amount J$3,000,000
Processing fee 1%
Insurance (per year) —
Jamaica Co-operative Credit Union League (member CUs) Indicative Total cost of credit J$154,790 interest J$144,790 + fees J$10,000
Monthly payment J$31,800 you repay J$1,154,790 in all
Effective rate incl. fees 10.13% at 9%
Loan type agriculture
Lender credit union
Rate from 9%
Rate up to 14%
Rate type fixed
Max term 60 months
Max amount J$10,000,000
Processing fee 1%
Insurance (per year) —
COK Sodality Co-operative Credit Union Indicative Total cost of credit J$167,290 interest J$144,790 + fees J$15,000 + insurance/other J$7,500
Monthly payment J$31,800 you repay J$1,167,290 in all
Effective rate incl. fees 11% at 9%
Loan type auto
Lender credit union
Rate from 9%
Rate up to 11%
Rate type fixed
Max term 96 months
Max amount J$12,000,000
Processing fee 1%
Insurance (per year) 0.25%
National People's Co-operative Bank (PC Bank) Indicative Total cost of credit J$176,619 interest J$161,619 + fees J$15,000
Monthly payment J$32,267 you repay J$1,176,619 in all
Effective rate incl. fees 11.62% at 10%
Loan type agriculture
Lender credit union
Rate from 10%
Rate up to 18%
Rate type fixed
Max term 60 months
Max amount J$20,000,000
Processing fee 1.5%
Insurance (per year) —
NCB (National Commercial Bank) Indicative Total cost of credit J$181,619 interest J$161,619 + fees J$20,000
Monthly payment J$32,267 you repay J$1,181,619 in all
Effective rate incl. fees 12.01% at 10%
Loan type business
Lender bank
Rate from 10%
Rate up to 16%
Rate type variable
Max term 120 months
Max amount J$100,000,000
Processing fee 1.5%
Insurance (per year) —
Total cost of credit J$186,398 interest J$157,398 + fees J$20,000 + insurance/other J$9,000
Monthly payment J$32,150 you repay J$1,186,398 in all
Effective rate incl. fees 12.32% at 9.75%
Loan type auto
Lender bank
Rate from 9.75%
Rate up to 12%
Rate type fixed
Max term 96 months
Max amount J$15,000,000
Processing fee 1.5%
Insurance (per year) 0.3%
NCB (National Commercial Bank) Indicative Total cost of credit J$187,186 interest J$153,186 + fees J$25,000 + insurance/other J$9,000
Monthly payment J$32,033 you repay J$1,187,186 in all
Effective rate incl. fees 12.44% at 9.5%
Loan type auto
Lender bank
Rate from 9.5%
Rate up to 12%
Rate type fixed
Max term 96 months
Max amount J$15,000,000
Processing fee 2%
Insurance (per year) 0.3%
Total cost of credit J$187,186 interest J$153,186 + fees J$25,000 + insurance/other J$9,000
Monthly payment J$32,033 you repay J$1,187,186 in all
Effective rate incl. fees 12.44% at 9.5%
Loan type auto
Lender bank
Rate from 9.5%
Rate up to 11.5%
Rate type fixed
Max term 96 months
Max amount J$15,000,000
Processing fee 2%
Insurance (per year) 0.3%
COK Sodality Co-operative Credit Union Indicative Total cost of credit J$187,588 interest J$170,088 + fees J$10,000 + insurance/other J$7,500
Monthly payment J$32,502 you repay J$1,187,588 in all
Effective rate incl. fees 12.28% at 10.5%
Loan type personal
Lender credit union
Rate from 10.5%
Rate up to 16%
Rate type fixed
Max term 84 months
Max amount J$5,000,000
Processing fee 1%
Insurance (per year) 0.25%
Total cost of credit J$190,088 interest J$170,088 + fees J$20,000
Monthly payment J$32,502 you repay J$1,190,088 in all
Effective rate incl. fees 12.57% at 10.5%
Loan type business
Lender bank
Rate from 10.5%
Rate up to 16%
Rate type variable
Max term 120 months
Max amount J$100,000,000
Processing fee 1.5%
Insurance (per year) —
Total cost of credit J$191,324 interest J$119,824 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,106 you repay J$1,191,324 in all
Effective rate incl. fees 13.12% at 7.5%
Loan type mortgage
Lender bank
Rate from 7.5%
Rate up to 9.5%
Rate type fixed then variable
Max term 420 months
Max amount J$60,000,000
Processing fee 1%
Insurance (per year) 0.55%
Total cost of credit J$191,398 interest J$157,398 + fees J$25,000 + insurance/other J$9,000
Monthly payment J$32,150 you repay J$1,191,398 in all
Effective rate incl. fees 12.72% at 9.75%
Loan type auto
Lender bank
Rate from 9.75%
Rate up to 12%
Rate type fixed
Max term 96 months
Max amount J$15,000,000
Processing fee 2%
Insurance (per year) 0.3%
Total cost of credit J$195,619 interest J$161,619 + fees J$25,000 + insurance/other J$9,000
Monthly payment J$32,267 you repay J$1,195,619 in all
Effective rate incl. fees 13% at 10%
Loan type auto
Lender bank
Rate from 10%
Rate up to 12.5%
Rate type fixed
Max term 84 months
Max amount J$12,000,000
Processing fee 2%
Insurance (per year) 0.3%
First Heritage Co-operative Credit Union Indicative Total cost of credit J$196,094 interest J$178,594 + fees J$10,000 + insurance/other J$7,500
Monthly payment J$32,739 you repay J$1,196,094 in all
Effective rate incl. fees 12.84% at 11%
Loan type personal
Lender credit union
Rate from 11%
Rate up to 17%
Rate type fixed
Max term 72 months
Max amount J$4,000,000
Processing fee 1%
Insurance (per year) 0.25%
Total cost of credit J$201,543 interest J$167,543 + fees J$25,000 + insurance/other J$9,000
Monthly payment J$32,432 you repay J$1,201,543 in all
Effective rate incl. fees 13.4% at 10.35%
Loan type auto
Lender bank
Rate from 10.35%
Rate up to 12.5%
Rate type fixed
Max term 96 months
Max amount J$20,000,000
Processing fee 2%
Insurance (per year) 0.3%
COK Sodality Co-operative Credit Union Indicative Total cost of credit J$202,266 interest J$132,266 + fees J$55,000 + insurance/other J$15,000
Monthly payment J$31,452 you repay J$1,202,266 in all
Effective rate incl. fees 13.87% at 8.25%
Loan type mortgage
Lender credit union
Rate from 8.25%
Rate up to 9.5%
Rate type variable
Max term 360 months
Max amount J$40,000,000
Processing fee 1%
Insurance (per year) 0.5%
CIBC Caribbean (FirstCaribbean) Indicative Total cost of credit J$207,931 interest J$136,431 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,568 you repay J$1,207,931 in all
Effective rate incl. fees 14.26% at 8.5%
Loan type mortgage
Lender bank
Rate from 8.5%
Rate up to 9.75%
Rate type variable
Max term 360 months
Max amount J$80,000,000
Processing fee 1%
Insurance (per year) 0.55%
NCB (National Commercial Bank) Indicative Total cost of credit J$207,931 interest J$136,431 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,568 you repay J$1,207,931 in all
Effective rate incl. fees 14.26% at 8.5%
Loan type mortgage
Lender bank
Rate from 8.5%
Rate up to 10%
Rate type variable
Max term 420 months
Max amount J$60,000,000
Processing fee 1%
Insurance (per year) 0.55%
Total cost of credit J$212,106 interest J$140,606 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,684 you repay J$1,212,106 in all
Effective rate incl. fees 14.55% at 8.75%
Loan type mortgage
Lender bank
Rate from 8.75%
Rate up to 10%
Rate type variable
Max term 360 months
Max amount J$60,000,000
Processing fee 1%
Insurance (per year) 0.55%
Total cost of credit J$215,453 interest J$143,953 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,776 you repay J$1,215,453 in all
Effective rate incl. fees 14.78% at 8.95%
Loan type mortgage
Lender bank
Rate from 8.95%
Rate up to 10.25%
Rate type variable
Max term 360 months
Max amount J$60,000,000
Processing fee 1%
Insurance (per year) 0.55%
Total cost of credit J$218,805 interest J$147,305 + fees J$55,000 + insurance/other J$16,500
Monthly payment J$31,870 you repay J$1,218,805 in all
Effective rate incl. fees 15.01% at 9.15%
Loan type mortgage
Lender bank
Rate from 9.15%
Rate up to 10.5%
Rate type variable
Max term 360 months
Max amount J$80,000,000
Processing fee 1%
Insurance (per year) 0.55%
Total cost of credit J$226,215 interest J$195,715 + fees J$20,000 + insurance/other J$10,500
Monthly payment J$33,214 you repay J$1,226,215 in all
Effective rate incl. fees 14.96% at 12%
Loan type personal
Lender bank
Rate from 12%
Rate up to 18%
Rate type fixed
Max term 72 months
Max amount J$4,000,000
Processing fee 2%
Insurance (per year) 0.35%
Total cost of credit J$229,831 interest J$204,331 + fees J$15,000 + insurance/other J$10,500
Monthly payment J$33,454 you repay J$1,229,831 in all
Effective rate incl. fees 15.12% at 12.5%
Loan type personal
Lender bank
Rate from 12.5%
Rate up to 18%
Rate type fixed
Max term 72 months
Max amount J$5,000,000
Processing fee 1.5%
Insurance (per year) 0.35%
National People's Co-operative Bank (PC Bank) Indicative Total cost of credit J$245,395 interest J$230,395 + fees J$15,000
Monthly payment J$34,178 you repay J$1,245,395 in all
Effective rate incl. fees 16.15% at 14%
Loan type personal
Lender credit union
Rate from 14%
Rate up to 20%
Rate type fixed
Max term 60 months
Max amount J$3,000,000
Processing fee 1.5%
Insurance (per year) —
Total cost of credit J$248,482 interest J$212,982 + fees J$25,000 + insurance/other J$10,500
Monthly payment J$33,694 you repay J$1,248,482 in all
Effective rate incl. fees 16.52% at 13%
Loan type personal
Lender bank
Rate from 13%
Rate up to 19%
Rate type fixed
Max term 84 months
Max amount J$6,000,000
Processing fee 2.5%
Insurance (per year) 0.35%
CIBC Caribbean (FirstCaribbean) Indicative Total cost of credit J$252,170 interest J$221,670 + fees J$20,000 + insurance/other J$10,500
Monthly payment J$33,935 you repay J$1,252,170 in all
Effective rate incl. fees 16.68% at 13.5%
Loan type personal
Lender bank
Rate from 13.5%
Rate up to 19%
Rate type fixed
Max term 84 months
Max amount J$5,000,000
Processing fee 2%
Insurance (per year) 0.35%
Total cost of credit J$260,895 interest J$230,395 + fees J$20,000 + insurance/other J$10,500
Monthly payment J$34,178 you repay J$1,260,895 in all
Effective rate incl. fees 17.26% at 14%
Loan type personal
Lender bank
Rate from 14%
Rate up to 19%
Rate type fixed
Max term 60 months
Max amount J$3,000,000
Processing fee 2%
Insurance (per year) 0.35%
NCB (National Commercial Bank) Indicative Total cost of credit J$269,655 interest J$239,155 + fees J$20,000 + insurance/other J$10,500
Monthly payment J$34,421 you repay J$1,269,655 in all
Effective rate incl. fees 17.85% at 14.5%
Loan type personal
Lender bank
Rate from 14.5%
Rate up to 20%
Rate type fixed
Max term 84 months
Max amount J$5,000,000
Processing fee 2%
Insurance (per year) 0.35%
Total cost of credit J$278,452 interest J$247,952 + fees J$20,000 + insurance/other J$10,500
Monthly payment J$34,665 you repay J$1,278,452 in all
Effective rate incl. fees 18.43% at 15%
Loan type personal
Lender bank
Rate from 15%
Rate up to 20%
Rate type fixed
Max term 84 months
Max amount J$5,000,000
Processing fee 2%
Insurance (per year) 0.35%
Total cost of credit J$457,383 interest J$412,383 + fees J$30,000 + insurance/other J$15,000
Monthly payment J$39,233 you repay J$1,457,383 in all
Effective rate incl. fees 30.73% at 24%
Loan type micro
Lender micro-lender
Rate from 24%
Rate up to 42%
Rate type fixed
Max term 36 months
Max amount J$5,000,000
Processing fee 3%
Insurance (per year) 0.5%
Access Financial Services Indicative Total cost of credit J$693,937 interest J$648,937 + fees J$30,000 + insurance/other J$15,000
Monthly payment J$45,804 you repay J$1,693,937 in all
Effective rate incl. fees 47.08% at 36%
Loan type personal
Lender micro-lender
Rate from 36%
Rate up to 55%
Rate type flat (add-on)
Max term 36 months
Max amount J$2,000,000
Processing fee 3%
Insurance (per year) 0.5%
Courts Ready Cash (Unicomer) Indicative Total cost of credit J$800,730 interest J$774,230 + fees J$2,500 + insurance/other J$24,000
Monthly payment J$49,284 you repay J$1,800,730 in all
Effective rate incl. fees 53.07% at 42%
Loan type personal
Lender retailer
Rate from 42%
Rate up to 60%
Rate type flat (add-on)
Max term 36 months
Max amount J$1,500,000
Processing fee —
Insurance (per year) 0.8%
Sprint Financial Services Indicative Total cost of credit J$45,488 interest J$30,488 + fees J$15,000
Monthly payment J$110,163 you repay J$345,488 in all
Effective rate incl. fees 145.89% at 60%
Loan type salary advance
Lender micro-lender
Rate from 60%
Rate up to 120%
Rate type flat (add-on)
Max term 3 months
Max amount J$300,000
Processing fee 5%
Insurance (per year) —
Sprint Financial Services Indicative Total cost of credit J$375,916 interest J$345,916 + fees J$30,000
Monthly payment J$74,773 you repay J$1,375,916 in all
Effective rate incl. fees 54.67% at 40%
Loan type personal
Lender micro-lender
Rate from 40%
Rate up to 72%
Rate type flat (add-on)
Max term 18 months
Max amount J$1,000,000
Processing fee 3%
Insurance (per year) —
Total cost of credit J$381,908 interest J$341,908 + fees J$30,000 + insurance/other J$10,000
Monthly payment J$55,913 you repay J$1,381,908 in all
Effective rate incl. fees 40.04% at 30%
Loan type micro
Lender micro-lender
Rate from 30%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$5,000,000
Processing fee 3%
Insurance (per year) 0.5%
Total cost of credit J$447,138 interest J$417,138 + fees J$30,000
Monthly payment J$59,047 you repay J$1,447,138 in all
Effective rate incl. fees 47.38% at 36%
Loan type personal
Lender micro-lender
Rate from 36%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$2,000,000
Processing fee 3%
Insurance (per year) —
Kris An Charles Investments Indicative Total cost of credit J$447,138 interest J$417,138 + fees J$30,000
Monthly payment J$59,047 you repay J$1,447,138 in all
Effective rate incl. fees 47.38% at 36%
Loan type personal
Lender micro-lender
Rate from 36%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$1,500,000
Processing fee 3%
Insurance (per year) —
Total cost of credit J$447,138 interest J$417,138 + fees J$30,000
Monthly payment J$59,047 you repay J$1,447,138 in all
Effective rate incl. fees 47.38% at 36%
Loan type micro
Lender micro-lender
Rate from 36%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$2,000,000
Processing fee 3%
Insurance (per year) —
Total cost of credit J$447,138 interest J$417,138 + fees J$30,000
Monthly payment J$59,047 you repay J$1,447,138 in all
Effective rate incl. fees 47.38% at 36%
Loan type micro
Lender micro-lender
Rate from 36%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$1,500,000
Processing fee 3%
Insurance (per year) —
Access Financial Services Indicative Total cost of credit J$482,702 interest J$442,702 + fees J$30,000 + insurance/other J$10,000
Monthly payment J$60,113 you repay J$1,482,702 in all
Effective rate incl. fees 51.45% at 38%
Loan type micro
Lender micro-lender
Rate from 38%
Rate up to 60%
Rate type flat (add-on)
Max term 24 months
Max amount J$1,000,000
Processing fee 3%
Insurance (per year) 0.5%
Quoted by the lender as a monthly rate; shown here annualised.
About these figures. Rates are headline rates published by each lender and vary with your credit profile, security and term. Fees (processing, legal, valuation, stamp duty, insurance) are typical published figures. Confirm with the lender before applying. Spotted a wrong number? Report it and we will check it within a day. Show as a table
