Frequently Asked Questions

What types of loans does Access offer?


  • Unsecured Personal Loans
  • Micro Business Loans




What loan amounts does Access lend and for how long?


  • Personal Loans - Up to J$2.5M and up to 5 years to repay.
  • Micro Business Loans - Up to J$1.5M and up to 3 years to repay.




What are the interest rates on Personal and Business Loans?


We invite you to have have a conversation with one of our Loan Officers.




How long do you have to be employed to qualify for a loan?


  • Personal Loans are available to employees of private and public sector companies who have been permanently employed for at least six (6) months.
  • Businesses must be in operation for at least six (6) months.




How can my Company be added to Access’ approved list of companies?


  • A company profile form must be completed by the Employer and returned to Access for review and approval.




What are the requirements for Personal and Business Loans?


  • Personal Loan Requirements:
    • Job letter
    • Valid ID (e.g. Driver’s License, Voter’s ID and Passport)
    • Taxpayer Registration Number (TRN)
    • 2 Passport size photos/ Photos can be taken in office
    • Last two (2) payslips
    • Proof of Address (most recent utility bill)
  • Business Loan Requirements (Unsecured)
    • Valid ID (e.g. Driver’s License, Voter’s ID and Passport)
    • Taxpayer Registration Number (TRN)
    • 2 Passport sized photos/ Photos taken in office
    • Proof of Address (most recent utility bill)
  • For Business Loans (Secured):
    • (All the above requirements)
    • 6 Months Bank Statements
    • Business Registration Documents
    • 2 Character reference
    • 3 Most Recent Utility Bills




How long does it take to get a loan?


  • Personal Loans can be disbursed within 2 hours of a completed loan application process*.
  • Business Loans can be disbursed within 2 days of a completed loan application process*.
(*conditions apply)




How can I get my loan proceeds?


  • Loans are disbursed by cheque or can be sent to your bank account via direct deposit.




What is the Refer and Earn programme?


  • $500 phone credit is given to each person who refers a customer to Access for a loan which is successfully disbursed.




What are your opening hours?


  • Our opening hours are Mondays to Fridays from 8:30 am to 4:30 pm.
  • The Portmore branch operates from 9:00 am to 5:00 pm, Mondays to Fridays.




How many branches do you have and where are they located?


  • There are eighteen (18) Access branches islandwide. Addresses may be found by clicking the link below:




How can you contact us?


  • We can be contacted via the following channels:
    • Telephone:
      • 888-GET-ACCESS (438-2223) or 876-929-9253
    • Email:
      • customerservice@accessfinanceonline.com
    • Website:
      • www.accessfinanceonline.com
    • Social Media:
      • Facebook @accessfinanceja
      • Instagram @accessfinancial




Does the company offer rebates?


  • Rebates are determined based on the interest remaining on the loan at the time of closure. If a loan was disbursed during a promotional period, a rebate will not be given.




How do I apply for a rebate?





Can I apply for a waiver?


  • Request for waivers are reviewed on an individual case basis by your loan officer.
  • Please include your contact details such as telephone number(s) and TRN and submit the letter via email to: customerservice@accessfinanceonline.com.
  • Personal Loans - To facilitate such a request, please submit a letter from your employer indicating if there has been a reduction in your salary or total hours worked. The letter should indicate the effective date of the changes as well as the duration.
  • Business Loans - To facilitate such a request, please submit a letter indicating how the current economic situation is affecting your business operations (such as sales, operating hours etc.).





Contact Us (Toll Free)

Monday - Friday 8:30 - 4:30

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Email Us

(888-438-2223)

LOCATION

CONTACT US

info@accessfinanceonline.com

Tel: (876) 929-9253

Fax: (876) 929-9679

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ABOUT US

We are the leading provider of financial services to individuals under-served by traditional loan providers.