Monaire Financial Services
Authorized by the Bank of Jamaica

Credit for Jamaicans, priced in plain sight.

Tuition, personal and small-business loans with the full cost of credit shown before you apply. Decisions reviewed by people, most within 48 hours.

Start an application See what it costs
Loan sizes
JMD 25,000 – 500,000
Tenure
3 – 24 months
Decision
Most within 48 h

Repayment estimate

Illustrative
$25,000.00
$25,000.00$400,000.00
3 months
3 months12 months
Estimated payment per month
$9,333.33
Instalments
3 × monthly
Interest rate
4% / month (flat)
Processing fee
$0.00
Total interest
$3,000.00
Total repayment
$28,000.00

Estimate only, using the same pricing engine as our booking system. Approval, amounts, fees and terms are subject to Monaire Financial Services' credit assessment and lending policies.

Three products. One rate card.

All figures in Jamaican dollars
UCC Tuition LoanStudents of the University College of the Commonwealth Caribbean; student verification required.Amount: 25,000 – 500,000Tenure: 6 – 24 monthsPaid to: The institution, directly
Personal LoanWorking Jamaicans with verifiable income. Clear terms, no hidden fees.Amount: 25,000 – 500,000Tenure: 3 – 18 monthsPaid to: Your bank account
Small Business LoanWorking capital for registered Jamaican micro-businesses and entrepreneurs.Amount: 50,000 – 500,000Tenure: 6 – 24 monthsPaid to: Your business account

From application to funds, in four steps.

  1. 01Apply onlineTen minutes. Choose a product, set the amount and tenure, and read the privacy notice and credit-check consent before you submit.
  2. 02Upload your documentsNational ID, proof of address and proof of income, straight from your phone. Students add their enrolment letter.
  3. 03Get a decisionAI-assisted underwriting with human review. Every offer carries a full cost-of-credit summary.
  4. 04Receive the fundsTuition loans are paid to the institution; personal and business loans to your account. Track every instalment here.
Licensed and supervisedA Bank of Jamaica authorized microcredit institution. KYC, AML and POCA checks are part of every application.
The whole cost, up frontRate, fees, total interest and total repayment on every estimate and every offer. Nothing is revealed later.
Your data, protectedHandled under Jamaica's Data Protection Act. Credit bureau checks only with your written consent.