Is there something you want or need now but don’t have the time to save for it?
A vehicle, furniture, education, or even a holiday? We know what a difference items and events like these can make in your life. Talk to us today to see how we can help you achieve your goals quicker.
Features & benefits
We offer flexible loan amounts, flexible interest rates and flexible repayment terms up to 60 months.
We will process your application quickly and require only the essential paperwork to ensure you get your loan as soon as possible.
No collateral or security needed
We offer unsecured loans which means you don’t need to provide any assets to support your loan. We assess your eligibility entirely on your income and capacity to make repayments.
You will have free access to our impressive Internet Banking and JTR Mobile tools so you can manage your repayments and view your transaction history anytime, anywhere.
Loan approval fee
US$30 or 1% of loan amount (whichever is higher)
Minimum loan amount
Maximum loan amount
Maximum loan term
Early pay-off fee
3% of outstanding balance or minimum US$50 (whichever is higher)
Partial payment fee
2% of partial amount paid or minimum US$30 (whichever is higher)
Change monthly repayment schedule
2% of outstanding balance or minimum US$30 (whichever is higher)
Late Payment fee
Dishonour Fee: US$10
Loan Arrears fee: US$10 (charged if no payment received 5 days after dishonour fee is charged)
How to apply
Visit your nearest J Trust Royal branch and talk to one of our friendly Personal Bankers.
Open a J Trust Royal transaction account (if you do not yet have one) to help manage your loan.
Fill out an application form with help from our friendly staff.
Provide the required documents:
Meet J Trust Royal Bank Credit Card criteria of eligibility and conditions.
Receive letter of offer/approval letter and collect your loan at the J Trust Royal branch where you applied.
For your reference
While all documentation is completed in our branches we also know that it can be helpful to know what to expect before you arrive. Here are the forms and other relevant documents used to apply for a personal loan. You don’t need to complete the forms before you come in – our friendly staff are there to help you.
Helpful forms & documents
- Personal Loan Fees & Charges V11908
PDF 826 KB
- Personal Loan Terms And Conditions En 2019Aug
PDF 283 KB
Our Customer Care Centre is open 24/7. Call us on +855 (0)23 999 000.Contact Us
Write to Us
Send your enquiry to us by completing a simple online form.Online Enquiry Form
Talk to a Personal Banker at your nearest branch.Find Us