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.

Important numbers

Credit limit

  • Up to 8 times net monthly income for existing J Trust Royal customers
  • Up to 5 times net monthly income for new customers

Interest rate

  • 25% p.a. on loan amount US$1,000 - $5,000
  • 20% p.a. on loan amount > US$5,000 - $10,000
  • 16% p.a. on loan amount > US$10,000 - $25,000

Loan approval fee

US$30 or 1% of loan amount (whichever is higher)

Minimum loan amount


Maximum loan amount


Maximum loan term

5 years

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:

  • Identification – either a passport or National ID card (must be valid with a photo)
  • Proof of employment and income
  • Employment letter stating your current position, number of years working in workplace, and employer in Cambodia.

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.

Call Us

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

Visit Us

Talk to a Personal Banker at your nearest branch.

Find Us