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Am I required to save any amount regularly to access this loan?
No. There is no compulsory savings requirement.
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How can I get a Pay Advance Plus Loan?
You can access this loan by being pre-approved by NCB based on your account activity over the last 6 months, or by applying online at loans.jncb.com if your salary is paid to your NCB account. Joint accounts do not qualify.
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Are there any other rates or fees associated with this loan?
Yes. A processing fee applies based on the amount borrowed. For JMD 10,000.00 to JMD 49,999.99 the fee is JMD 4,500.00 inclusive of GCT. For JMD 50,000.00 to JMD 100,000.00 the fee is JMD 7,000.00 inclusive of GCT.
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How much can I borrow?
You can borrow as little as JMD 10,000 up to a maximum of JMD 100,000.
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What is the Pay Advance Plus Loan?
The Pay Advance Plus Loan allows you to borrow a percentage of your monthly salary, after deductions, for a short period not exceeding 30 days.