Frequently asked questions
The questions we hear most often
Borrowing should be clear before it is convenient. The questions below cover what most customers want to know before they apply — how much you can borrow, what documents to bring, how long approval takes, how repayments are collected, and what happens if your circumstances change.
We have written each answer as plainly as we can, so you can find what you need without having to call. Browse the list, or search for a specific topic if you know what you are looking for.
If your question is not answered here, please get in touch. A member of our team will be glad to talk it through with you, at any branch or authorized agent islandwide, by phone, or by message.
Browse the answers
Common questions
The loan process can take three to five business days once all required documents have been submitted.
Yes. You can visit our website and apply online at your convenience, or visit any of our branches or agents island-wide to get started.
Yes, you may be able to change your repayment date depending on your circumstances. Please speak with your loan officer for more information.
Yes, you can settle your loan early. If you would like to repay your loan before the agreed-upon date, please speak with your loan officer for assistance.
You can borrow from $50,000 up to $500,000 unsecured, based on assessment. The maximum lending amount for personal loans is J$2,500,000, and the maximum lending amount for business loans is also J$2,500,000.
Government-issued ID; TRN; proof of address; email address; mobile number; your last two months’ pay slips (four pay slips for fortnightly paid employees and eight pay slips for weekly paid employees); job letter addressed to First Union Financial.
If you make a late payment, pay less than the contracted amount, or miss a payment, please contact your loan officer for assistance.
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