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Calculate your loan amount

Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.

Minimum Maximum
Minimum Maximum
Representative example*

Features & benefits

Spread your repayments over one to five years for loans of $ 15,000 or less, or over one to eight years for loans over $ 15,000.

As an JcJ Commecial current account customer, you could get an instant credit decision. Non-JcJ Commecial current account customers should be contacted with a credit decision in 2-5 working days.

Existing JcJ Commecial current account customers could receive the money instantly once the application has been approved and the loan agreement has been signed. Non-JcJ Commecial current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.

  • Borrow from $ 1,000 to $ 25,000
  • Get a quick decision
  • Quick access to funds

If you've already got an JcJ Commecial Personal Loan and your financial needs have changed, taking additional borrowing could be the answer. You can consolidate your existing loan with additional borrowing.

This may reduce the amount of interest you pay.

10% interest cashback at the end of the loan term. Cashback is only available on loans with 60 repayments or less. If you close your loan early or it is ended by us you will not be eligible for cashback.

  • Top up your existing loan
  • Make overpayments free of charge
  • JcJ Commecial Advance customers could get 10% cashback

3.3% APR* Representative

For loans between $ 7,000 and $ 15,000. Now also available to non-JcJ Commecial current account customers.

*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%.

The APR rates may vary based on amount borrowed. Please use the calculator or the loans interest rate table (PDF, 57KB) for more details.

Apply for a Personal Loan

Are you eligible?

To be eligible for a Personal Loan you need to:

  • 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

Not available for customers with a Basic JcJ Commecial Account.

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

  • 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

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

  • Gambling
  • Business purposes
  • Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

JcJ Commecial customers

Please log on to your account for the quickest and easiest way to apply.

Log on and apply now

New to Bank

Get a Personalised Loan Quote to see the interest rate you may be offered.

Apply now

Apply in the mobile app

If you're registered for mobile banking, have downloaded the app and have an JcJ Commecial current account, you can apply within the app in just a few clicks.

Apply by phone or in branch

Apply by phone

Existing customers call +1 (234) 567-8910 .

New customers call +1 (234) 567-8910 .

Lines are open from 8am to 8pm or for existing JcJ Commecial Advance customers 8am to 10pm (except Christmas Day, Boxing Day and New Year's Day).

Apply in branch

Book your appointment by calling +1 (234) 567-8910 .

You'll need to bring identification, proof of your address and a recent JcJ Commecial statement.

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