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Who should I contact if I have further questions?
You may contact the 24/7 Customer Care Centre at 888-622-3477.
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Is a branch visit required to access this loan?
If you are pre-approved for a digital top-up offer and meet the special conditions for digital acceptance, you will not need to visit a branch. If you do not meet those conditions, you will need to visit the nearest NCB branch to continue the acceptance process.
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What documents do I need to provide?
You will need your most recent month’s payslip or payslips if paid weekly or fortnightly, a copy of a valid government-issued photo ID, and a Salary Deduction Letter downloaded after completing your application online, approved and signed by your employer.
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Can a customer apply for a Top-Up Unsecured Loan?
No. Top-Up Loans are currently offered only on a pre-selected basis. You may accept the offer online, but if your employment status has changed, you will need to visit the nearest NCB branch to access the loan.
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How do I repay this loan?
The total monthly repayment amount will be collected from your compulsory savings account, which is funded through salary deduction from your employer.
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How will I receive the money?
You will be able to choose one of your active savings or current accounts to receive the loan proceeds during the Disbursement step of the acceptance process.
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How soon after accepting the offer will I receive the money?
Within 2 business days of submitting your approved salary deduction letter.
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Can I still receive a Top-Up Loan offer if I have other outstanding loans?
Yes, as long as your payments on your other existing loans are up to date.
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Am I required to save any amount regularly to access this loan?
Yes. This product has a compulsory savings requirement of 0.4% of the loan amount, with a minimum of JMD 2,000 and a maximum of JMD 5,000.
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How long will the offer be valid before it expires?
The offer expires after 90 days from creation if not accepted.