Frequently Asked Questions

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.

You can borrow as little as JMD 10,000 up to a maximum of JMD 100,000.

The interest rate on this loan is 0%.

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.

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.

No. There is no compulsory savings requirement.

You may be eligible if you are a Jamaican resident, your salary has been paid to your NCB account for at least the past 6 months, your account is not jointly held, you have had no overdue NCB loans or credit card payments in the past 6 months, and your average account inflows less current liabilities meet product eligibility requirements.

You will receive an email with an offer code and instructions to visit the NCB website to accept the offer.

An NCB customer with an active JMD savings or chequing account, no overdue NCB loans or credit card payments in the past 6 months, employment with a company from which NCB accepts salary assignments, and consent for NCB to pull their credit report at no cost.

You will need a salary assignment letter approved and signed by your employer, plus your most current payslips. Weekly paid customers upload 12 latest payslips, fortnightly paid customers upload 6, and monthly paid customers upload 3.

Up to 5 business days.

Yes. Early repayment is allowed, and there is no penalty. You must visit a branch to do so.

Immediately, once there are no overdue payments on any of your NCB facilities.

Within 24 hours.

The total outstanding amount, including the loan amount and processing fee, will be automatically deducted from your salary account on the due date you selected. The due date must be within 30 days of acceptance.

You will be charged a penalty interest rate of 37% per annum for each day the loan remains unpaid, a lien will be placed on your account, and you will not be able to access another Pay Advance Plus Loan until the facility is fully repaid and 6 months have passed since full repayment.

The NCB Fast Cash Loan is an unsecured loan that allows you to borrow between JMD 100,000 and JMD 300,000 at a fixed repayment amount.

The repayment period ranges from 12 to 36 months depending on the loan amount.

No interest is charged. Instead, there is a fixed monthly payment amount based on the amount borrowed.

JMD 100,000 is repaid at JMD 12,500 monthly for 12 months. JMD 150,000 is repaid at JMD 13,000 monthly for 18 months. JMD 200,000 is repaid at JMD 13,500 monthly for 24 months. JMD 250,000 is repaid at JMD 14,000 monthly for 30 months. JMD 300,000 is repaid at JMD 14,500 monthly for 36 months.

By being pre-approved by NCB based on your account activity over the last 6 months and accepting the offer digitally through loans.jncb.com.

The offer expires after 90 days if not accepted.

No. There is no compulsory savings requirement.

Yes, as long as your payments on your other existing loans are up to date.

The loan proceeds will be credited to the account shown on the Review Your Loan Details page after authentication is completed.

Within 24 hours.

The monthly payment is deducted from your operative account on the 25th day of each month. For loans accepted between the 15th and the end of a month, the first instalment will be due on the 25th day of the following month.

You may contact the Customer Care Centre at 888-622-3477.

You may use the funds for almost any personal need, including home improvement, car repairs, vacations, medical expenses, and more.

If you are a pre-approved customer, you will receive a unique offer code by email. Visit loans.jncb.com, enter your offer code, and accept your offer.

Within 24 hours.

No. You may choose to accept only part of the approved amount.

Visit loans.jncb.com, click Check for an Offer, and follow the instructions.

After accepting the offer, the funds will be deposited within 24 hours to the account shown on the summary page.

Your monthly payment will be deducted from your repayment account on the 25th of each month.

Your repayment term will be displayed after you submit your offer code on the platform.

The minimum amount is JMD 100,000. Your maximum pre-approved amount is the amount shown in your offer. If you need more than your pre-approved amount, you may apply for up to JMD 5 million at the nearest NCB branch.

Yes. You have up to 90 days to accept your offer. Expired offers cannot be redeemed. Conditions apply.

No. The approved amount can only be accessed in a single disbursement. If you accept only part of the total amount, you cannot return later for the remaining balance.

These details will be shown online after the offer is accepted and will also be sent by email after disbursement.

Existing customers are regularly segmented, assessed, scored, and approved by the Group Risk Management Division. At this time, there is nothing a customer can actively do to become pre-approved for this unsecured loan.

Yes. You must have an NCB savings or current account to be pre-approved for an NCB unsecured loan at this time.

No. You do not need to visit a branch to arrange monthly payments to be deducted from your account. A branch visit is only required if you want to repay the loan in full early and close it out.

No. By default, the loan amount is deposited to the savings or current account where you receive your salary.

The loan will be opened at the branch associated with the main account linked to your debit card.

Yes. You may repay the loan early without penalty, but you will need to visit a branch to process the early repayment and close the loan.

No. There is no compulsory savings requirement.

No. This loan does not include payment holidays.

Yes. The terms and conditions will be sent in your offer email before you accept the loan and again in your confirmation email after the loan is disbursed.

The NCB Top-Up Unsecured Loan allows customers who have successfully repaid at least 40% of an unsecured loan to top up back to the original loan amount.

Customers are given 60 months to repay this facility.

The interest rate is 13.99% APR, fixed for the life of the loan.

You must be selected, assessed, and pre-approved by NCB. Only customers with no history of delinquency will be considered.

Yes. Your employer must be the same as on the original loan, and Guardian Creditor Life insurance is mandatory if you accept this offer through the digital portal.

The offer expires after 90 days from creation if not accepted.

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.

Yes, as long as your payments on your other existing loans are up to date.

Within 2 business days of submitting your approved salary deduction letter.

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.

The total monthly repayment amount will be collected from your compulsory savings account, which is funded through salary deduction from your employer.

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.

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.

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.

You may contact the 24/7 Customer Care Centre at 888-622-3477.