365 Frequently Asked Questions

You will need to fill out our application form, online or in office, your TRN number, an accepted form of ID, 2 passport sized pictures, your 2 previous pay slips and a proof of address.

Your payment schedule will depend on a number of factors, including loan amount and the discretion of our loan officers.

We offer 3 main loan types.

• 365 Xpress Bill payments and other emergency expenses. Borrow up to $100,000 Up to twelve (12) months to repay. NO guarantor required.
• 365 Payday Salary deductions for participating companies. Borrow up to $200,000 Up to twelve (12) months to repay.
• 365 Secured School / medical expenses, Debt consolidation, Home Improvement. Borrow up to $2,500,000. Up to twenty-four (24) months to repay.
• 365 Government Reduced rate for public sector workers. Borrow up to $200,000. Special packages available for qualified senior GOJ employees. Up to twelve (12) months to repay
• 365 Emergency Cash Salary Advance for existing clients with current loans. Borrow up to $20,000. Payback within 30 days. NO Interest charged.

Learn more by visiting our Personal Loans Page.

Yes, ideally all prospective applicants must be able to prove they are able to repay their loans on time each month.

Yes, all Government of Jamaica issued photo IDs are acceptable: driver's license, passport, voter's ID, NIDS.

Typically using bill payment as a proof of address is preferred, however if there is an alternate means of identifying where you live we may accept it at our discretion.

If you are taking out a loan that is $1000,000 or less then you will not typically need a guarantor, however for loans that are in excess of this amount we may request a guarantor be appended to your application.