Personal Loan

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.

Features & Benefits

  • Comprehensive consultation from our professional and experience specialist
  • Loan tenor up to 5 years
  • No collateral or security required
  • Transparent fees and charges
  • Fast and hassle-free application process

Interest Rate & Fee Charge

Interest rate25% p.a. on loan amount USD 1,000 - USD 5,000
20% p.a. on loan amount > USD 5,000 - USD 10,000
16% p.a. on loan amount > USD 10,000 - USD 25,000
Loan approval feeUSD 30 or 1% of loan amount (whichever is higher)
Minimum loan amountUSD 1,000
Maximum loan amountUSD 25,000
Maximum loan term5 years
Early repayment fee3% of outstanding balance or minimum USD 50 (whichever is higher)
Partial payment fee2% of partial amount paid or minimum USD 30 (whichever is higher)
Change monthly repayment schedule2% of outstanding balance or minimum USD 30 (whichever is higher)
Late payment feeDishonour Fee: USD 10
Loan Arrears fee: USD 10 (charged if no payment received 5 days after dishonour fee is charged)

Reference

Loan Calculator

Learn About Monthly Repayment

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Monthly Repayment
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Learn About Maximum Loan Amount

Maximum Loan Amount
USD 0.00
Monthly Repayment
USD 0.00

Note:

  • Car loan maximum amount: USD 80,000
  • Personal loan maximum amount: USD 25,000
  • The result from this calculator it for illustration purposes and indicative only
  • Result do not represent the approval loan amount which is subjected to J Trust Royal's credit assessment

Call our professional lending manager to learn more via 078 222 082 or 078 222 086.