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JN Personal Unsecured Loan

Cover personal expenses with a Personal Unsecured Loan from the Jamaica National Building Society!


  • No collateral required
  • Borrow up to $3 million
  • Get up to 60 months to repay
  • Available in Jamaican dollars only
  • Minimum Loan Amount J$ 100,000.00
  • Maximum Loan Amount J$ 3,000,000.00 (subject to the applicant’s ability to repay)
  • Affordable processing fees – as low as 1.50% plus GCT
  • Interest calculated on reducing balance
  • Conditions apply


  • Discounts from several merchants across Jamaica with your JN card
  • Access to online banking using JN LIVE
  • Free transactions at JN ATMs

What you need to apply:

  • 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 or driver’s licence
  • 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)

Interest rate:

  • Civil Servants – 18.99% (fixed for the life of the loan)
  • Others – 22.50% per annum (fixed for the life of the loan)

Terms and conditions

  • The loan can be used for any legitimate purpose as specified by the borrower and must be supported by documentary evidence (for example, invoices) for amounts J$500,000 and more
  • Loan repayments must be made by way of salary deductions or standing orders from an account to which the customers’ salaries are deposited. Loan repayment is calculated on the reducing balance.