Start home improvements, purchase home appliances or take a vacation today! We can make it happen for you.  Our financing solutions help you get closer to your goal.

Recommended for:

• Purchase of Consumer Items
• Education Expenses
• Vacation Travel
• Purchase of New and Used Vehicles
• Medical Expenses
• Home Improvement/Repairs
• Loan Refinancing/Consolidation

Opening of Account/Service:

• Walk in and see a Credit Officer or call and make an appointment
• Take an interview.  We’ll help you make the right choice.

Product Features and Benefits:

• Minimum amount of loan  $3.000.00
• Term of loans: 12 months – 60 months
• 13% – 16% compounded interest
• Debt Balance Insurance Coverage on borrower and guarantor, where applicable,
• Payable for full term of loans up to 36 months
• Group Temporal Insurance Coverage payable yearly for loans exceeding 36 months
• Qualify for interest rebate when loan is paid off in advance with own funds.
• Refinancing or consolidation of loan with additional funds and convenient terms of payment
• Refinance anytime after existing loan balance is less than 50% of the original amount. 

Requirements for Services:

• Valid proof of Identity and Nationality
• Be between the ages of 18 years and 65 years – depending on condition.
• Gainfully employed for 12 months or show evidence of self employment
  • Earn a minimum of $1,500.00 monthly 
  • Submit Letter of Employment – stating years of service and annual income.
• Monthly Budget of Income and Expenses
• Personal Financial Statement
• Furnish a Salary Assignment
• Copy of current Utility Bill
• May apply jointly and combine salary to meet established criteria
• Bank and Personal References
• Collateral varies depending on Loan Purpose, Credit History, Amount and Repayment Capacity of customer.  They include Personal Guarantees, Bills of Sale, Mortgage, and Time Deposit

Special Requirements for “Trading As” applicants:

• Copy of Registration Certificate
• Financial Statement of the Business

Value Added Products:
When you obtain a Consumer Loan, you automatically qualify for:

• Electron Visa Debit Card
• Online Banking
• Bill Payments Online or via Teller Line
• Withdrawals at ATMs with the VISA Logo
• Purchases at all Point of Sale (POS) machines countrywide

Additional Products that may be of interest to you:
Savings Accounts
Checking Account
Bank Overdrafts