Life is filled with many unpredictable moments. It tends to change quite suddenly based on varying circumstances. When this occurs, some of us might need access to more money than what we have at the time to pay for immediate necessities. For most of us, these unanticipated situations can be quite stressful, particularly when a solution is needed right away. Usually, we can handle such emergency financial issues by withdrawing funds from our savings accounts. However, when this isn’t enough that’s when payday loans prove useful.

We are here to offer you that option. Payday loans are available when you need things immediately that you can’t afford on your own in that moment. The way it works is, you can be approved within 24hrs and you can have access to funds the same day. We only require that you fill out an application online, upload your documents and the money will be sent straight to your bank account. Usually, we can handle such emergency financial issues by withdrawing funds from our savings accounts. However, when this isn’t enough that’s when payday loans prove useful.

During the application process, you’ll need to disclose your private details (name, address, contact number, employment history, etc.). You will also need to be over the age 18 and have a consistent income, this could be a weekly, fortnightly or monthly wage. This is because we will need to know that you have a source of income to pay back the loan. The two options we accept currently are a Scotia or NCB savings bank account to have the money deposited into. That same day, you’ll be able to withdraw the loan from your account. The loan amounts for payday loans ranges from $5,000 to $15,000 for first time applicants and up to $30,000 for returning applicants with a good credit history

Conventional loans are more complicated to obtain and the application process is much longer as they ask you for much details which are sometimes unnecessary and takes longer to accumulate. Payday loans are more advantageous to you, the borrower.

Every loan has a due date that the customer must agree on. If the payment is late, penalty fees are added onto the amount to be paid back. Every collection attempt on late payments is handled using a fair, professional, and legal manner. You will have the option to extend your loan by paying the interest on the balance owing. This grants you a loan extension without extra payments being required. This amount won’t be subtracted from your balance owing and can only be conducted once per loan period. There are no automatic extensions of loans. Repayment plans are an option for those who have difficulty paying back the amount owing.

Quick Application

Apply online in minutes

Instant Decision

Receive an immediate eligibility decision

Fast Funding

Get cash the next business day if approved

Benefits of payday loans

Many Jamaicans are struggling with money troubles. Unemployment levels are high due to the recession and many of those who are employed live from one paycheck to the next. For those whose money barely stretches from one payday to another, a payday loan could be the ideal solution. Benefits of payday loans include:

Borrow just the amount you need – You can take out a payday loan for just the amount you need and are able to pay back. For instance, if you need cash loans to pay for $10,000 worth of auto repairs, you don’t need a $30,000 loan from a bank. You can borrow just $10,000 from us and be confident of paying it back on time.

Payback is quick and easy – It’s easy to set up a simple method of repayment for a payday loan. At the end of the quick and easy application process, you’ll be given a timeline for repayment that usually fits in with the dates of your paychecks.

No long-term agreements – Once you have repaid your loan in full, the transaction with the payday loan lender is over. This means your relationship with the lender can be complete within weeks of applying and receiving your direct deposit into your bank, with no lingering obligations.

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