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Personal Loan

  • Loans available from $1,000 to $25,000
  • Quick decision, you could receive immediate funds
  • No setup or arrangement fees
  • JcJ Commecial Advance customers could get 10% cashback
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To be eligible for a Personal Loan you need to:

Not available for customers with a Basic JcJ Commecial Account.

We do not offer our Personal Loans for a number of purposes including:

In addition, our Personal Loans should not be provided for:

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

  • have a JcJ Commecial or building society account with a Direct Debit facility (Channel Island and Isle of Man customers must have an JcJ Commecial current account)
  • have an annual income/pension before tax of $10,000 or more
  • be over 18 and a resident of the UK
  • The purchase of property or land (both UK & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees
  • Gambling
  • Business purposes
  • Share dealing

3.3% APR Representative

for loans between $7,000 and $15,000.

3.3% APR Representative

for loans between $5,000 and $25,000.

Flexiloan

  • Loans available from $500 to $5000
  • Only pay for what you use - if you don't use your Flexiloan, you don't pay anything
  • Choose your monthly repayment on your outstanding balance from 4% - 10%. Minimum payment applies
  • No set up or arrangement fees
  • Re-draw your available balance up to the limit. Once you've repaid your Flexiloan, you can redraw the available balance
The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.
Are you eligible?

To apply for a Flexiloan, you need to:

  • have an JcJ Commecial current account
  • be 18 years or older and a UK resident
  • have an annual income/pension before tax of $10,000 or more

17.9% APR Representative

for loans between $5,000 and $25,000.