Need cash quickly? NCB's Digital Loans deliver funds in 24 hours. Explore the options below for swift access to funds/money. NCB has your back! 

Fast Cash

The NCB Fast Cash is an unsecured loan that allows you to borrow between $100,000.00 and $300,000.00 JMD at a fixed repayment amount. 

Features and Benefits:

• No interest rate
• Fixed monthly fee dependent on the amount borrowed
• Repayment period of 12 to 36 months
• Instant disbursement, once approved
• No compulsory savings required
• No documents or branch visit required

You may be eligible if:

• You're a Jamaican resident
• You're currently employed for at least 6 months
• Your monthly salary before tax is above $50,000.00 JMD (not including overtime)
• You have no overdue loans or credit card payments at NCB within the past 6 months

Check For Offer  Apply Online

Pay Advance

The NCB Pay Advance is an unsecured loan that allows you to borrow up to $100,000.00 JMD at a fixed repayment amount.   

Features and Benefits:

• No interest rate
• One flat fee of $7,000 JMD
• Repayment period of 1 month
• Instant disbursement, once approved
• No compulsory savings required
• No documents or branch visit required

You may be eligible if:

• You're a Jamaican resident
• You're currently employed for at least 6 months
• Your monthly income after deduction and expenses exceeds $20,000.00 JMD (not including overtime)
• Your salary is paid to your NCB account for at least the past 6 months (joint accounts do not qualify at this time)
• You have no overdue loans or credit card payments at NCB within the past 6 months

Check For Offer  Apply Online

Pay Advance Premium

The NCB Pay Advance Premium is an unsecured loan that allows you to borrow up to $150,000.00 JMD at a fixed repayment amount.

Features and Benefits:

• No interest rate
• Monthly administrative fee of $8,500.00 JMD
• Repayment period of 6 months
• Instant disbursement, once approved
• No compulsory savings required
• No documents or branch visit required

You may be eligible if:

• You're a Jamaican resident
• You're currently employed for at least 6 months
• Your salary is paid to your NCB account for at least the past 6 months (joint accounts do not qualify at this time)
• You have no overdue loans or credit card payments at NCB within the past 6 months

Check For Offer  Apply Online

Personal Advance (Digital)

The NCB Personal Advance is an unsecured loan that allows you to borrow up to $3,000,000.00 JMD at a fixed repayment amount.

Features and Benefits:  

• Competitive interest rates
• Repayment period of up to 60 months
• Disbursement within 24 hours, once approved
• No compulsory savings required
• No documents or branch visit required

You may be eligible if:

• You're a Jamaican resident
• You're currently employed for at least 6 months
• Your salary is paid to your NCB account for at least the past 6 months (joint accounts do not qualify at this time)
• You have no overdue loans or credit card payments at NCB within the past 6 months

Check For Offer  Apply Online

Preapproved Unsecured

The NCB Preapproved Unsecured loan allows you to access a preapproved loan amount at a fixed repayment amount.

Features and Benefits: 

• Competitive interest rates
• Repayment period of up to 60 months
• Minimum amount of $100,000 JMD
• Disbursement within 24 hours, once approved
• No compulsory savings required
• No branch visit required (only if you choose to settle the loan early)

You may be eligible if:

• You're a Jamaican resident
• You have an NCB bank account (savings or current)
• You're assessed, scored and approved by the Group Risk Management Division

Check For Offer  Apply Online

Top-Up Unsecured

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

Features and Benefits:  

• Competitive interest rates
• Repayment period of up to 60 months
• Disbursement within 2 business days of submitting your approved salary deduction letter
• Compulsory savings requirement of 0.4%, subject to minimum $2,000.00 JMD and maximum $5,000.00 JMD
• Guardian Creditor Life is mandatory, if accepting the offer on the digital portal

You may be eligible if:

• You're a Jamaican resident
• You have an NCB bank account (savings or current)
• You're assessed, scored and approved by the Group Risk Management Division
• You have no history of delinquency
• Your employer is the same as on the original loan

Check For Offer  Apply Online