• Personal Loans

• Micro Business Loans

• Personal Loans - Up to J$ 3M and up to 7 years to repay.

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

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

• 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.

(*conditions apply)

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

• 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

• Personal Loans can be disbursed same day after the completed of the loan application process*.

• Business Loans can be disbursed within 2 days after the completed of the loan application process*.

(*conditions apply)

• Loans are disbursed directly to your bank account or alternately by cheque.

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

• Our opening hours are Mondays to Fridays from 8:30 am to 4:30 pm.

• There are sixteen (16) Access branches islandwide.

• 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

• 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.

• Requests must be submitted to the Credit Committee. Please include your name, TRN, and contact number and send to customerservice@accessfinanceonline.com or drop off at the nearest branch.

• 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.).