Loan Products
TCCU offers flexible, affordable loans to fit your goals – whether you’re building a home, buying a car, growing your farm, or covering personal expenses. With competitive rates and fast approvals, we make borrowing simple and stress-free. Apply today and move forward with confidence.
Unsecured Loan
TCCU Unsecured Loans – Support When You Need It Most
Get the financial boost you need without the hassle of collateral. Whether it’s for school fees, home repairs, medical bills, or personal goals, our unsecured loans offer quick access, affordable rates, and flexible repayment terms.
Simple. Fast. Reliable. Apply today.
What You Can Use It For
Education
School fees, books, uniforms, or tuition
Health
Unexpected medical bills or dental procedures
Home Needs
Repairs, rent payments, or basic renovations
Personal Projects
Weddings, birthdays, or travel
Debt Consolidation
Combine and simplify other high-interest loans
Emergencies
Quick response to life’s unforeseen moments
Loan Features
Loan Amount
JMD $30,000 to $1,000,000 (depending on salary and repayment history)
Repayment Term
Up to 3 years
Interest Rate
Competitive, fixed rate
Top-Up Option
Reapply or top-up after consistent repayment performance
No Collateral
Approval is based on your income, not your assets
Quick Turnaround
Approval in 24–72 hours (once documents are complete)
Application Requirements
Valid Government-issued ID (Driver’s Licence, Passport, or National ID)
TRN (Tax Registration Number)
Proof of Address (recent utility bill, bank statement, or JP letter)
Job Letter (not older than 30 days)
3 most recent payslips
Completed Loan Application Form
Statement of Purpose (what the funds will be used for)
One or two references (a guarantor/co-maker may be required for higher amounts)
Credit Evaluation
Your application is assessed based on your ability to repay
Credit history with TCCU and/or other lenders will be considered
Members in good standing are prioritized
Why Choose TCCU Unsecured Loans?
No collateral, no complications
Personalized repayment plans
Trusted, confidential service
Fast approval and disbursement
Ongoing member support and access to top-up benefits
TCCU Loan Products Comparison Table
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Loan Type
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Collateral Required
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Typical Use Cases
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Loan Amount
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Interest Rate
|
Repayment Term
|
Key Benefits
|
|---|---|---|---|---|---|---|
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Unsecured Loan
|
No
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School fees, home repairs, medical bills, personal expenses
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$30,000 – $1,000,000
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Competitiv e fixed rate
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Up to 3 years
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No collateral required, fast approval, flexible repayment terms
|
|
Cash Secured Loan
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Yes (TCCU savings or fixed deposit)
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Any purpose while preserving your savings
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Up to 100% of savings value
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Lower than unsecured loan rate
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Up to 5 years
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Funds remain in your savings, lower interest, same-day processing
|
|
Mortgage Loan
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Yes (Property being financed)
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Home purchase, land acquisition, home construction
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Based on property value
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Competitiv e long-term rates
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Up to 25 years
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Long repayment term, construction stage disbursement, personalized guidance
|
|
Auto Loan
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Yes (Vehicle as collateral)
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New or used vehicle purchase
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Based on vehicle invoice
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Competitive
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5 years (used), 8 years (new)
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Up to 100% financing, preapproval, insurance assistance
|
|
Unsecured Farmers Loan
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No
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Seeds, fertilizers, labour, short-term farm expenses
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$30,000 – $500,000
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Affordable unsecured rate
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Up to 3 years
|
No collateral required, fast access to funding, designed for smallholder farms
|
|
Secured Farmers Loan
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Yes (Savings or physical assets)
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Crop expansion, irrigation, livestock, equipment
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Based on collateral value
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Lower rate for secured loans
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Up to 7 years
|
Seasonal repayment options, collateral-backed, scalable farming support
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