We offer short-term cash advance loans to help you over to your next payday. This type of loan is for unexpected expenses.Type of Cash Advance Loans:1. Bill Payment Loans –A bill payment loan is a payday loan used to cover monthly payments allowing you to pay your bills on time. This has a positive impact on your credit score!2. Line of Credit –Based on your credit score (risk factor) this loan allows you to be approved for a set credit amount. This line of credit does not have to be taken in full but can be taken periodically as needed.

We offer loans to assist you with developing your credit score. Repaying your loans on time, over time will help to build your credit score. This type of loan is best used to put you in the right place as the power of credit is now on the rise.Type of Credit Development Loans:1. Credit Starter LoanThe Credit Starter Loan allows you to start developing a good credit rating by borrowing a small pre-set amount (for example $2,500; 5,000; $7,500 JMD etc.). By paying back this loan on time is a great easy way to build your credit score.2. Credit Starter Cashback –We offer cashback on our Credit Starter Loans. This allows you to pay “a likkle extras” on your credit starter loan. This extra amount will be accumulated over the loan period and the total amount rewarded once the loan is completed. This is a great way to start your path to investment options with our parent company, Capital Solutions Limited.

We offer loans to persons who may be overwhelmed with debt at the moment. By taking a credit rehab loan, you can begin repairing your credit score. This type of loan is best used after you have taken a loan and find it hard to make payments.Type of Credit Rehab Loans:1. Loan Amnesty –A Loan Amnesty is available to existing clients of PAL Jamaica who have fallen delinquent due to a history of bad credit. This service allows you to pay a percentage of the outstanding amount to clear the debt.2. Loan Settlement –The Loan Settlement is offered to the general public who has a bad credit history and seeking to settle outstanding debts.

We offer loans to finance your plans in life, from the Big Day to that surprise Baby Shower, to baby’s first day at school, to that college dorm room, until that new office equipment. This type of loan is best used when you are planning your life milestones and you want to BUY NOW & PAY LATER!Type of Milestone Loans: What’s your next milestone?Education (Back to School)SME/Microfinance (Business)Engagement PartyWeddingBaby ShowerMedical

Loans

Providing Salary Advances and Personal Loans for Over 20 Years

Answers to Questions you may have

How can our loans help you?

Like many, you've found yourself short of cash from time to time.

Whether it's an unexpected emergency, a bill to pay or an opportunity you just can't miss, we help you manage your cash problems by advancing funds against your paycheque.

It's just like being paid early.
How can you apply for a loan?
1. It's simple. Complete our online application or visit any of our locations in Kingston or Montego Bay with your documents (see requirements) and answer our application questions. No complicated language, no unnecessary questions, no reasons required. Call us at (876) 906-2413 and (876) 906-9622 to ask about our convenient office hours from 8:30 am to 5:00 pm Monday to Friday.
2. It's quick. Once your application is approved, you can access the funds on the very same day. That's right. We've eliminated the hassle and long waiting periods.
3. It's reliable. We provide options to get your cash quickly. We make it easy and trouble-free.
How can you check the requirements?
All new customers must present the following documentation in person:
- Two (2) pieces of identification. One must be your driver's licence, passport or voter's registration card. The other can be any of the above or your work ID.
- Proof of employment with an approved company (job letter)- your last two (2) pay stubs.
- Proof of residency - your last light, water, gas or cable bill.
- Copy of your last six (6) months bank statements or an updated bank book.
What's Next - Try out our Pre-Approval Process
- Use the link below to access our Pre-Approval Form.
- Try it out.
GO TO PRE-APPROVAL FORM

Loan Products and Online Application Process

Choose the right loan for You

Learn more about our loans. Select the one that meets your specific needs.

Cash Advance

We offer short-term cash advance loans to help you over to your next payday. This type of loan is for unexpected expenses.

Type of Cash Advance Loans:

1. Bill Payment Loans –
A bill payment loan is a payday loan used to cover monthly payments allowing you to pay your bills on time. This has a positive impact on your credit score!

2. Line of Credit –
Based on your credit score (risk factor) this loan allows you to be approved for a set credit amount. This line of credit does not have to be taken in full but can be taken periodically as needed.
Credit Development
Credit Rehab
Milestone Loans
We offer loans to finance your plans in life, from the Big Day to that surprise Baby Shower, to baby’s first day at school, to that college dorm room, until that new office equipment. This type of loan is best used when you are planning your life milestones and you want to BUY NOW & PAY LATER!

Type of Milestone Loans: What’s your next milestone?
- Education (Back to School)
- SME/Microfinance (Business)
- Engagement Party
- Wedding
- Baby Shower
- Medical