A figure marked “Sources differ” is one where two official pages disagree; its note says which we use and why. “Not published” means the institution doesn’t publish it. “Not confirmed” means we found it only in a news report or a secondary source. Our editorial policy explains how we check and update them. Spotted one that has changed? Tell us through support.
Sources for every figure we use.
Every figure in our calculators and rates pages, by topic, with the page we read it on. We read them all on 2 October 2026 unless a row says otherwise.
Income tax
| Figure | Value | Source |
|---|---|---|
Yearly income tax threshold for the years of assessment 2018 to 2023Replaced on 1 April 2024 by J$1,700,088. | J$1,500,096No longer applies | |
Yearly income tax threshold from 1 April 2024Replaced on 1 April 2025 by J$1,799,376. | J$1,700,088No longer applies | |
Yearly income tax threshold from 1 April 2025Replaced on 1 April 2026 by J$1,902,360. TAJ's April 2025 payroll guide prints it as $1,799,360 in one table, which is a typo. | J$1,799,376No longer applies | |
Yearly income tax threshold from 1 April 2026 | J$1,902,360 | |
Yearly income tax threshold from 1 April 2027Announced in the 2025/26 Budget. We found nothing in the 2026/27 Budget that changes it, and TAJ still shows it. | J$2,003,496From 1 April 2027 | |
Income tax threshold for the 2024 calendar year, used by payroll | J$1,650,090No longer applies | |
Income tax threshold for the 2025 calendar year, used by payrollAn older TAJ rates table still online shows J$1,700,088 for 2025. TAJ's April 2025 update replaced it with this figure. | J$1,774,554No longer applies | |
Income tax threshold for the 2026 calendar year, used by payroll | J$1,876,614 | |
Income tax threshold for the 2027 calendar year, used by payroll | J$1,978,212Scheduled | |
Income tax threshold for 2028 and later years, used by payroll | J$2,003,496From 1 January 2028 | |
Monthly income tax threshold for January to March 2024 | J$125,008No longer applies | |
Monthly income tax threshold for April to December 2024 | J$141,674No longer applies | |
Monthly income tax threshold for January to March 2025 | J$141,674No longer applies | |
Monthly income tax threshold for April to December 2025 | J$149,948No longer applies | |
Monthly income tax threshold for January to March 2026 | J$149,948 | |
Monthly income tax threshold for April to December 2026 | J$158,530 | |
Monthly income tax threshold for January to March 2027 | J$158,530From 1 January 2027 | |
Monthly income tax threshold for April to December 2027 | J$166,958From 1 April 2027 | |
Monthly income tax threshold for every month from January 2028 | J$166,958From 1 January 2028 | |
Weekly income tax threshold for the first 13 weeks of 2025 | J$32,694No longer applies | |
Weekly income tax threshold for the last 39 weeks of 2025 | J$34,603.38No longer applies | |
Weekly income tax threshold for the first 13 weeks of 2026 | J$34,603.38 | |
Weekly income tax threshold for the last 39 weeks of 2026 | J$36,583.85 | |
Weekly income tax threshold for the first 13 weeks of 2027 | J$36,583.85Scheduled | |
Weekly income tax threshold for the last 39 weeks of 2027 | J$38,528.77From 1 April 2027 | |
Weekly income tax threshold from January 20282028 has 53 pay weeks, so TAJ divides J$2,003,496 by 53. | J$37,801.81From 1 January 2028 | |
Fortnightly income tax threshold for the first 7 fortnights of 2025 | J$65,388No longer applies | |
Fortnightly income tax threshold for the last 19 fortnights of 2025 | J$69,307.26No longer applies | |
Fortnightly income tax threshold for the first 7 fortnights of 2026 | J$69,307.26 | |
Fortnightly income tax threshold for the last 19 fortnights of 2026J$1,902,360 divided by 26 gives J$73,167.69, but TAJ and JIS both use J$73,234.90. TAJ takes the 7 fortnights already paid at the old rate (J$485,150.84) away from the 2026 threshold of J$1,876,614 and spreads the rest over 19 fortnights. We use TAJ's figure because it is what payroll uses. | J$73,234.90Sources differ | |
Fortnightly income tax threshold for the first 7 fortnights of 2027 | J$73,234.90Scheduled | |
Fortnightly income tax threshold for the last 19 fortnights of 2027 | J$77,135.14From 1 April 2027 | |
Fortnightly income tax threshold from January 2028 | J$77,057.34From 1 January 2028 | |
Weekly pays each year that still use the old threshold before the 1 April rise | 13 | |
Fortnightly pays each year that still use the old threshold before the 1 April rise | 7 | |
Yearly tax saving from the 1 April 2026 threshold rise, as announced | J$25,518 | |
Weekly tax saving from the 1 April 2026 threshold rise, as announced | J$490.73 | |
Fortnightly tax saving from the 1 April 2026 threshold rise, as announced | J$981.46 | |
Monthly tax saving from the 1 April 2026 threshold rise, as announced | J$2,126.50 | |
Who gets the income tax thresholdOnly people who live in Jamaica get the threshold. | ||
Income tax rate on statutory income above the threshold, up to J$6 million a year | 25% | |
Income tax rate on statutory income above J$6 million a year | 30% | |
Yearly statutory income above which the 30% rate applies | J$6,000,000 | |
Monthly statutory income above which the 30% rate applies | J$500,000 | |
Yearly pension exemption, from 2025 | J$250,040 | |
Pension exemption for 2024 | J$207,530No longer applies | |
Yearly pension exemption before 1 April 2024 | J$80,000No longer applies | |
Age from which the pension exemption counts against all income | 55 years | |
Yearly age exemption for people 65 and over, on top of the threshold | J$250,040 | |
Age for the age exemption | 65 years | |
Tax-free income in 2026 for a pensioner under 65, or a person 65 or over with no pension | J$2,126,654 | |
Tax-free income in 2026 for a pensioner aged 65 or overThree official figures disagree. TAJ's rates table says J$2,376,694. The 14 April 2026 notice on JIS says J$2,376,654. TAJ's advisory says J$2,367,694 after mistyping the threshold. We use J$2,376,694 because it adds up: J$1,876,614 plus J$250,040 plus J$250,040. | J$2,376,694Sources differ | |
When self-employed people file and payThe S04A estimate is due on 15 March. Quarterly payments are due by the 15th of March, June, September and December. The S04 return of actual earnings is due on 15 March of the following year. | ||
Take-home pay on J$300,000 a month between April and December 2026, with a 5% pension | J$234,422.50 |
Payroll deductions
| Figure | Value | Source |
|---|---|---|
NIS paid by the employee, as a share of gross pay up to the NIS ceilingThe MLSS NIS page still shows older rates (2.5% for employees) from the 2019 phase-in. TAJ's April 2025 payroll guide gives 3%, and PwC agrees. We use TAJ. | 3%Sources differ | |
NIS paid by the employer, as a share of gross pay up to the NIS ceiling | 3% | |
NIS paid by self-employed people, as a share of earnings up to the NIS ceilingThe MLSS NIS page still says 5% in places. TAJ gives 6%, which we use. | 6%Sources differ | |
Yearly pay on which NIS is charged, at most | J$5,000,000 | |
Monthly pay on which NIS is charged, at most | J$416,666.67 | |
Who must pay NISPeople aged 18 to 70 in insurable employment. | ||
NHT paid by the employee, as a share of gross pay (no ceiling) | 2% | |
NHT paid by the employer, as a share of gross pay (no ceiling) | 3% | |
NHT paid by self-employed people, as a share of statutory incomeOne line on the NHT page says 30%, which looks like a typo. The same page and TAJ say 3% elsewhere, so we use 3%. | 3%Sources differ | |
NHT paid by household workers such as domestic workers, gardeners and caregivers | 2% | |
Who pays NHT as an employeeEmployees from age 18 until retirement at 65, if they earn at least minimum wage. | ||
When employers pay NHT overBy the 14th of the following month, with form S01. | ||
Education Tax paid by the employee, as a share of statutory income | 2.25% | |
Education Tax paid by the employer, as a share of statutory income | 3.5% | |
Education Tax paid by self-employed people, as a share of statutory income | 2.25% | |
HEART/NSTA Trust contribution paid by the employer, as a share of gross pay | 3% | |
Yearly payroll above which an employer pays HEART/NSTA Trust | J$173,328 |
Minimum wage
| Figure | Value | Source |
|---|---|---|
National minimum wage for a 40-hour week, from 1 July 2026 | J$17,000 | |
National minimum wage per hour, from 1 July 2026 | J$425 | |
National minimum wage for a 40-hour week before 1 July 2026 | J$16,000No longer applies |
National Housing Trust
| Figure | Value | Source |
|---|---|---|
NHT interest rate for weekly income from minimum wage to J$30,000.99 | 0% | |
Highest weekly income for the 0% NHT rate | J$30,000.99 | |
NHT interest rate for weekly income from J$30,001 to J$42,000.99 | 2% | |
Highest weekly income for the 2% NHT rate | J$42,000.99 | |
NHT interest rate for weekly income from J$42,001 to J$100,000.99 | 4% | |
Highest weekly income for the 4% NHT rate | J$100,000.99 | |
NHT interest rate for weekly income of J$100,001 and above | 5% | |
How NHT sets the rate on a joint loanThe rate uses the average of all applicants' weekly incomes. There is one rate on one loan, and every name goes on the title. | ||
NHT rate cut for teachers, nurses, firefighters, police and security forces with 5 to 10 years' service | 1% | |
NHT rate cut for teachers, nurses, firefighters, police and security forces with 10 or more years' service | 2% | |
NHT Smart Energy loan rateSince 1 July 2025 it follows the same 0% to 5% income bands. Before that it was a flat 5%. | ||
NHT Open Market loan limit for one applicant | J$9,000,000 | |
NHT Open Market loan limit for two applicants | J$17,000,000 | |
NHT Open Market loan limit for three applicants | J$23,000,000 | |
NHT Open Market loan limit for one applicant when the home costs J$14 million or less | J$12,000,000 | |
Highest home price for the higher one-applicant Open Market limit | J$14,000,000 | |
NHT Build on Own Land loan limit for one applicant | J$11,000,000 | |
NHT Build on Own Land loan limit for two applicants | J$17,000,000 | |
NHT Build on Own Land loan limit for three applicants | J$23,000,000 | |
NHT House Lot loan limit for one applicant | J$5,000,000 | |
NHT House Lot loan limit for two applicants | J$7,000,000 | |
NHT House Lot loan limit for three applicants | J$10,500,000 | |
NHT Home Improvement loan limit for one applicant | J$5,000,000 | |
NHT Home Improvement loan limit for two applicants | J$10,000,000 | |
NHT Home Plus loan limit for one applicant | J$5,000,000 | |
NHT Home Plus loan limit for two applicants | J$10,000,000 | |
NHT Smart Energy loan limit for one applicant | J$2,500,000 | |
NHT Solar Water Heater loan limit for one applicant | J$250,000 | |
Most NHT lends on one scheme house | J$17,000,000 | |
Bedrooms a home needs before three applicants can borrow the three-applicant limit | 2 | |
NHT individual loan limit before 16 June 2025This comes from a contributor quoted in a JIS feature. It had been raised from J$6.5 million in 2023. | J$7,500,000No longer applies | |
Most people who can apply together for one NHT loan | 3 | |
Longest NHT repayment term | 40 years | |
Youngest age to apply for an NHT Home Buyer loan | 18 years | |
Oldest age to apply for an NHT Home Buyer loan | 70 years | |
Age by which an NHT loan is said to be repaid (40 years or age 70, whichever comes first)Only reported in newspaper columns. We did not find it on nht.gov.jm, so the calculators treat it as an assumption you can change. Confirm it with NHT. | 70 yearsNot confirmed by an official source | |
Most of the price NHT will finance | 100% | |
Deposit on an NHT Open Market purchase | 5% | |
Deposit for contributors earning less than J$30,000 a week, on homes of J$14 million or less | 2% | |
Weekly income below which the 2% deposit applies | J$30,000 | |
Highest home price for the 2% deposit | J$14,000,000 | |
Most NHT advances toward an Open Market deposit for applicants 35 and under | J$2,000,000 | |
Oldest age for NHT's young adult benefits | 35 years | |
Share of NHT scheme units kept for people 35 and under | 20% | |
NHT service charge for weekly income of J$30,000 or less, as a share of the loan | 0% | |
Highest weekly income with no NHT service charge | J$30,000 | |
NHT service charge for weekly income from J$30,000 to J$42,000, as a share of the loan | 2% | |
NHT service charge for weekly income of J$42,001 and above, as a share of the loan | 5% | |
Lowest weekly income with the 5% NHT service charge | J$42,001 | |
Weekly NHT contributions needed for a Home Buyer loan | 52 | |
Of those, contributions needed in the last 26 weeks | 13 | |
Points for every 52 weeks contributed, when NHT allocates scheme units | 20 | |
Who can apply for an NHT Home Buyer loanYou must be between 18 and 70, never have had a loan from NHT, and not own a home. NHT says conditions apply to both of those. | ||
What NHT asks for on an Open Market loanA signed and dated sale agreement, a deposit receipt or the vendor's statement of account, a valuation report from a certified valuator and a surveyor's ID report from a commissioned land surveyor. Each report must be no more than one year old. | ||
What NHT says when the sale price is above your loan limitNHT will not pay a deposit or any of the cost where the sale price is more than the total loan limit you are entitled to. | ||
How to apply for an NHT scheme house or lotNHT advertises scheme units as they become available. Applications are online only, within the advertised intake period, and are scored on weekly income and contribution history. | ||
What an NHT eligibility letter isA letter that shows the loan amount, term and interest rate NHT would give you. Employed contributors can request one on NHT Online. Self-employed and voluntary contributors, people co-applying and people with both employed and self-employed income request theirs at an NHT office. Scheme offerings need no letter. | ||
How a parent can help a child with an NHT scheme loanA parent up to age 70 can give their contribution points to one biological or legally adopted child, or co-apply with that child, to help with affordability on an NHT scheme property. | ||
Weekly income above which you apply for an NHT mortgage at a partner bank or credit union | J$30,000.99 | |
NHT's partner lenders for contributors earning more than J$30,000.99 a weekScotiabank, NCB and COK Sodality Co-operative Credit UnionNHT's list is dated 1 August 2023. COK Sodality merged into C&WJ Co-operative Credit Union on 1 December 2024. | Source not recently updated | |
Years you wait before a second NHT loan to improve your home | 5 years | |
NHT refunds a year's contributions in this year after the contributions were made | 8 years | |
NHT is refunding contributions for this year and earlier | 2,018 | |
Contribution year we expect NHT to start refunding on 1 January 2027Worked out from NHT's rule of refunding in the 8th year. NHT has not announced it. Check nht.gov.jm in December. | 2,019Not confirmed by an official source | |
Interest NHT adds to refunded contributionsNHT's refund page does not state an interest rate, so our estimates count contributions only. | Not published | |
How to apply for an NHT refundApply on NHT Online, the online form or the NHT app. You need your NIS number, TRN, a valid ID and your employers' names and years. | ||
Who can get all their NHT contributions back at once (special refund)Retirees, invalidity pensioners, foreign nationals leaving Jamaica for good, and agents of contributors who have died. Jamaicans who migrate do not qualify. | ||
NHT refunds for people with an NHT mortgageFrom 1 July 2025, private-sector mortgagors whose accounts are up to date can take the refund in cash instead of putting it on the loan. | ||
When you can apply for an NHT refundNHT takes refund applications online at any time in the year. A contribution year opens for refunds on 1 January. | ||
How you follow an NHT refund applicationNHT tells you to keep the reference number you get when you apply, so you can track the application. It notifies you when it pays the bank or institution you chose. | ||
How long an NHT refund takes to arriveNHT's refund page gives no time for payment. It says you will be told when the money has been sent. | Not published | |
Where NHT can send a refundNCB, Scotiabank, Sagicor Bank, JN Bank, First Global Bank, FirstCaribbean and JMMB Bank. The account name must match the name on your application, and the account must not be dormant. | ||
Whether taking a refund affects an NHT loanA contributor who has already had a refund stays eligible for an NHT loan, as long as contributions payments are current. | ||
Who can apply for a regular NHT refundEmployees, self-employed contributors and voluntary contributors. It is paid only in the contributor's name, so a changed name needs proof. | ||
Most the NHT Home Grant pays | J$3,500,000 | |
Highest weekly income for the NHT Home Grant | J$30,000.99 | |
Years of NHT contributions needed for the Home Grant | 7 years | |
Most an NHT microfinance loan lends at one time | J$1,100,000 | |
Most NHT microfinance loans can add up to over a lifetime | J$1,950,000 | |
Highest weekly income for an NHT microfinance loan | J$86,000 |
Bank of Jamaica
| Figure | Value | Source |
|---|---|---|
Bank of Jamaica policy rate | 6% | |
Bank of Jamaica policy rate from 24 February to 28 September 2026 | 5.5%No longer applies | |
Year of the last policy rate rise before September 2026Reported by the Jamaica Observer. BOJ's release does not say it. | 2,022Not confirmed by an official source | |
Inflation in August 2026, as BOJ reported it | 7.9% | |
Prime or base lending rate published by Jamaican banksNone of NCB, Scotiabank, JN, JMMB, FGB, CIBC or VM publishes one. Each bank sets its own lending rates. | Not published | |
Average J$ loan rate at commercial banks, July 2026 | 12.01% | |
Average J$ instalment loan rate at commercial banks, July 2026 (the closest BOJ category to car loans) | 11.49% | |
Average J$ mortgage rate at commercial banks, July 2026 | 7.6% | |
Average J$ personal loan rate at commercial banks, July 2026 | 24.67% | |
Average J$ business loan rate at commercial banks, July 2026 | 11.58% | |
Average J$ loan rate at commercial banks, June 2026Replaced by the July 2026 figure. | 11.97%No longer applies | |
Average foreign currency loan rate at commercial banks, July 2026 | 7.44% | |
Average foreign currency instalment loan rate at commercial banks, July 2026 | 7.66% | |
Average foreign currency mortgage rate at commercial banks, July 2026 | 6.91% | |
Average foreign currency personal loan rate at commercial banks, July 2026 | 16.78% |
Exchange rates
| Figure | Value | Source |
|---|---|---|
J$ for US$1, BOJ weighted average selling rate | J$159.37 | |
J$ for US$1, BOJ weighted average buying rate | J$158.02 | |
J$ for C$1, BOJ weighted average selling rate | J$112.53 | |
J$ for £1, BOJ weighted average selling rate | J$212.69 | |
J$ for €1, BOJ weighted average selling rate | J$183.50 |
Bank fees
| Figure | Value | Source |
|---|---|---|
Scotiabank loan processing fee, as a share of the loan | 3.93% | |
Scotiabank minimum loan processing fee | J$14,973.30 | |
NCB loan processing fee on secured and unsecured loans, as a share of the loan | 3.5% |
Lending
| Figure | Value | Source |
|---|---|---|
Most of your income a lender lets loan payments takeNHT and the banks we checked do not publish one. Our calculators let you set your own limit. | Not published |
Credit bureaus
| Figure | Value | Source |
|---|---|---|
Credit bureaus licensed in JamaicaEveryData Jamaica Limited (formerly Creditinfo Jamaica) and CRIF Information Bureau Jamaica Limited. EveryData is a credit bureau and has nothing to do with EveryDolla. | ||
Free credit reports you can get each calendar year from each bureau, from age 18 | 1 | |
Where to complain about a credit bureauBOJ's Credit Reporting Oversight Unit: 876-932-4116, credit.bureau@boj.org.jm |
Remittances
GCT
| Figure | Value | Source |
|---|---|---|
Standard GCT rateTAJ's GCT page still says 16.5% in its introduction. The rate history on the same page and TAJ's 2020 quick guide both say 15% since April 2020, so we use 15%. | 15%Sources differ | |
GCT on zero-rated goods and services | 0% | |
GCT on books and printed matter | 2% | |
Advanced GCT | 5% | |
GCT on tourism services | 10% | |
GCT on tourism services from 1 April 2027Announced with the 2026/27 Budget. PwC Tax Summaries agrees. | 15%From 1 April 2027 | |
GCT on telephone service and telephone instruments | 25% | |
Yearly sales above which a business must register for GCTOlder TAJ papers from 2019 and 2020 say J$10 million. TAJ's current GCT page says J$15 million from 1 April 2025, which we use. For a period shorter than 12 months it is an average of J$1,250,000 a month. | J$15,000,000Sources differ | |
When GCT returns are dueEach return covers one month. The GCT is due by the last working day of the next month. | ||
Date GCT starts on digital services bought from abroadAnnounced in the 2026/27 Budget. The Government expects the revenue from January to March 2027, but we found no exact start date. | Not published |
Buying property
| Figure | Value | Source |
|---|---|---|
Transfer tax on the market value of land or property, paid by the seller | 2% | |
Stamp duty on each agreement for sale or transfer of J$500,000 or moreA TAJ brochure from 2011 that is still online says 4%, and some websites still quote it. The flat J$5,000 replaced it on 1 April 2019, and TAJ's rates and fees page agrees, so we use J$5,000. | J$5,000Sources differ | |
Stamp duty on each document below J$500,000 | J$100 | |
Amount at which stamp duty moves from J$100 to J$5,000 | J$500,000 | |
Extra stamp duty on a mortgage, on top of the flat amount | 25% | |
Stamp duty on a mortgage of J$500,000 or more | J$6,250 | |
National Land Agency fee to register a transfer or mortgage worth up to J$2,000 | J$10 | |
Value covered by the base NLA registration fee | J$2,000 | |
NLA registration fee for each J$1,000, or part of J$1,000, above J$2,000 | J$5 | |
Share of the NLA fee paid on a mortgage lodged together with the transfer | 50% | |
Most the NLA charges for a new title when part of a property is transferred | J$5,000 | |
Official scale of legal fees for buying or selling propertyWe found no binding scale from the Bar Association or the General Legal Council. Reports say fees have been open to negotiation since 1993. | Not published | |
Legal fees each side usually pays, as a share of the price, before GCTReported by the Jamaica Star in 2022. There is no official scale, so our calculator lets you change it. | 3%Not confirmed by an official source | |
Estate agent's commission the seller usually pays, as a share of the price, before GCTReported by the Jamaica Star in 2022. Commission is agreed with the agent. | 5%Not confirmed by an official source | |
Lowest flat fee reported for the attorney who prepares the transfer papersReported as J$10,000 to J$30,000, shared by buyer and seller. | J$10,000Not confirmed by an official source | |
Highest flat fee reported for the attorney who prepares the transfer papers | J$30,000Not confirmed by an official source | |
How buyer and seller usually split closing costsThe seller pays transfer tax and the agent. Stamp duty, the registration fee and the agreement fee are usually shared. Each side pays its own lawyer. These are customs and can be negotiated. | Not confirmed by an official source | |
Deposit buyers usually pay on signing the agreement for saleReported by a law firm. | 10%Not confirmed by an official source | |
Smallest deposit the Transfer Tax Act calls for, as reportedReported by a law firm in 2019. We did not read the Act itself. | 7.5%Not confirmed by an official source | |
NLA registration fee as an approximate share of the price | 0.5% |
Lenders’ published rates
| Lender | Rate a year | Source |
|---|---|---|
ScotiabankNew car loan | 8.50% to 11.75% | |
ScotiabankUsed car loan | 10.10% to 14.75% | |
ScotiabankStop Dreaming, Start Driving promotionThis promotion ended on 15 February 2022, but its terms are still on Scotiabank's site. | Ended 15 February 2022Ended | |
ScotiabankMortgage | 8.50% to 12.49% | |
ScotiabankNew lot loan | 8.50% to 12.49% | |
ScotiabankUnsecured loan | 18.00% to 24.99% | |
ScotiabankCash-secured loan | 9.00% to 11.00% | |
NCBNew car loanNCB shows its car loan rate only inside the calculator on its website, not as published text. | Not published | |
NCBUsed car loanNCB shows its car loan rate only inside the calculator on its website, not as published text. | Not published | |
NCBHeadline car loan rate reported in 2023Reported by the Jamaica Observer in August 2023. NCB has not published a rate since. | 10.35%May be out of date | |
NCBSummer mortgage campaignThe campaign ran from 1 July to 30 September 2026. NCB's mortgage page still shows 8.45%, but the offer has ended. | From 8.45%Ended | |
NCBMortgageOutside its ended summer campaign, NCB publishes no mortgage rate. Its pages also disagree on terms: the campaign offered up to 100% over 40 years, while the FAQ says typically no more than 90% over 35 years. | Not published | |
NCBTop-Up Unsecured loan | 13.99% | |
NCBSummer unsecured loan campaignThe campaign ended on 30 September 2026. | Ended 30 September 2026Ended | |
JN BankNew car loan | 8.99% to 10.74% | |
JN BankUsed car loan | 10.74% to 11.99% | |
JN BankUnsecured loan | 18.99% to 26.25% | |
JN BankUnsecured line of credit | 17.50% to 20.50% | |
JN BankJN Home LoanJN's mortgage rates page has no date and was last changed in May 2024, so these rates may be out of date. | 9.85%May be out of date | |
JN BankSwitch (move your mortgage to JN)JN's mortgage rates page has no date and was last changed in May 2024, so these rates may be out of date. | 9.85%May be out of date | |
JN BankResidential investment propertyJN's mortgage rates page has no date and was last changed in May 2024, so these rates may be out of date. | 10.35%May be out of date | |
JN BankUS$ mortgageJN's mortgage rates page has no date and was last changed in May 2024, so these rates may be out of date. | 6.00%May be out of date | |
JMMB BankDrive EasyJMMB publishes no loan rates. Its rates sheet covers deposits only. | Not published | |
JMMB BankDrive EasyJMMB publishes no loan rates. Its rates sheet covers deposits only. | Not published | |
JMMB BankMortgageJMMB publishes no loan rates. Its rates sheet covers deposits only. | Not published | |
JMMB BankUnsecured loanJMMB publishes no loan rates. Its rates sheet covers deposits only. | Not published | |
First Global BankNew car loanFGB's new car loan page only says it "is getting an upgrade". | Not published | |
First Global BankUsed car loanThis page was last edited in 2021, so the rate may be out of date. | From 8.95%May be out of date | |
First Global BankUnsecured loanThis page was last edited in 2021, so the rate may be out of date. | From 18.75%May be out of date | |
First Global BankMortgageThe page gives terms but no rate. | Not published | |
Sagicor BankNew car loanSagicor's website blocked our checks. These terms come from search engine summaries of its pages, so confirm them with Sagicor. | Not verifiedNot confirmed | |
Sagicor BankUsed car loanSagicor's website blocked our checks. These terms come from search engine summaries of its pages, so confirm them with Sagicor. | Not verifiedNot confirmed | |
Sagicor BankMortgageSagicor's website blocked our checks. These terms come from search engine summaries of its pages, so confirm them with Sagicor. | Not verifiedNot confirmed | |
CIBC CaribbeanNew car loanCIBC has only regional pages, with no rates for Jamaica. | Not published | |
CIBC CaribbeanUsed car loanCIBC has only regional pages, with no rates for Jamaica. | Not published | |
CIBC CaribbeanPersonal loanCIBC has only regional pages, with no rates for Jamaica. | Not published | |
VM Building SocietyNew car loanVM's rate table says it took effect on 3 July 2023 and has not been updated since. The same page has a second table with no label showing 8.50% mortgages, which we do not use. | 11.50%May be out of date | |
VM Building SocietyUsed car loanVM's rate table says it took effect on 3 July 2023 and has not been updated since. The same page has a second table with no label showing 8.50% mortgages, which we do not use. | 11.95%May be out of date | |
VM Building SocietyMortgageVM's rate table says it took effect on 3 July 2023 and has not been updated since. The same page has a second table with no label showing 8.50% mortgages, which we do not use. | 10.45% to 11.50%May be out of date | |
VM Building SocietyUnsecured loanVM's rate table says it took effect on 3 July 2023 and has not been updated since. The same page has a second table with no label showing 8.50% mortgages, which we do not use. | 17.00%May be out of date | |
C&WJ Co-operative Credit UnionNew car loan | From 7.99% | |
C&WJ Co-operative Credit UnionMortgageC&WJ's standard mortgage page says up to 90% over 20 years. Its promotion, running until 30 November 2026, offers up to 95% (including your NHT benefit) over up to 40 years at the same rate. | From 8.49%Lender's pages differ | |
C&WJ Co-operative Credit UnionMortgage loan promotion | 8.49% | |
C&WJ Co-operative Credit UnionUnsecured loan promotionThe rate is described only as "Competitive". | Not published | |
First Heritage Co-operative Credit UnionUsed car loanFirst Heritage's address is fhccu.com. The site firstheritagecu.com is not this credit union. | Not published | |
First Heritage Co-operative Credit UnionMortgageThe page gives terms but no rate. | Not published | |
Jamaica Police Co-operative Credit UnionUsed car loanThe page gives terms but no rate. | Not published | |
JDF Credit UnionNew vehicles, loans up to J$9 million | 7.59% | |
JDF Credit UnionNew vehicles, loans from J$9 million to J$13 millionJDF's page says it lends at most J$9 million, but it also lists this rate for bigger loans. Read from the text of JDF's page, which has no date. Check the table on the page before relying on it. | 9.09%Lender's pages differ | |
JDF Credit UnionNew vehicles, loans above J$13 millionJDF's page says it lends at most J$9 million, but it also lists this rate for bigger loans. Read from the text of JDF's page, which has no date. Check the table on the page before relying on it. | 12.00%Lender's pages differ | |
JDF Credit UnionVehicles 1 to 3 years old | 9.85% | |
JDF Credit UnionVehicles 4 to 5 years old | 9.99% | |
JDF Credit UnionVehicles 6 to 8 years old | 11.50% | |
JDF Credit UnionVehicles 9 to 13 years old | 13.50% |