Quick, Convenient Loans
for Any Purpose!
Choose Your Amount
WITHIN SECONDS
Fill Out Your Application
WITHIN MINUTES
Get Your Approval
WITHIN HOURS
Get Your Money
WITHIN DAYS
All About Borrowing
We provide a quick, convenient way to get a loan! Apply online in minutes for loans from 1 to 5 years. Loans are currently up to B$30,000 for new Borrowers and up to B$50,000 for existing Borrowers with a good payment history.
Learn MoreWhy Carilend?
Peer to Peer lending has been growing exponentially around the globe for over 10 years. We have brought the fast process, great rates and flexible terms to the Caribbean for the first time.
Learn MoreLet's Get Started
Applying for your loan could not have been made easier. Supply all your details and supporting information online in a matter of minutes and get your answer within one business day. Why wait?
Start NowWhy Borrow With Us
Peer to Peer lending cuts out the middleman and brings convenience, simplicity, fairness and flexibility to the process of getting a loan.
Peer to Peer Lending – Benefits for All
Peer to Peer lending brings together Borrowers and Lenders. Our convenient online application process can be completed in a few minutes, and you will get your answer within one business day as long as you have provided all of the information that we need. Find out more about how it works by exploring our website further or click below to get started right away!
Decide Your Amount to Lend
Decide Your Length Of Time
Select Your Risk and Return Rates
Invest Your Money
What is P2P
Peer to Peer lending directly brings together Borrowers and Lenders and cuts out the middleman to bring better returns to Lenders. It has grown globally, and now through Carilend, it is available in the Caribbean for the first time.
Learn MoreSafety/Risks
We have built multilayered protection into our risk management, including an individual assessment of every Borrower, diversification of your funds, a Reserve Fund to protect against defaults and Third Party Insurance.
Learn MoreWhy Carilend?
Peer to Peer lending has been growing exponentially around the globe for over 10 years. We have brought the convenience, great returns and flexible terms to you in the Caribbean!
Learn MoreHow it Works
Peer to Peer lending matches Lenders directly with Borrowers and completes the process online in a convenient, secure and fair way.
How Carilend works
We have brought Peer to Peer lending to the Caribbean for the first time. We have adopted the globally recognized best practice from the UK market and adapted it for the Caribbean. With our tools to guide your lending decisions, our risk management to protect your investment and the great returns available we are sure you will be impressed. Find out more about how it works by exploring our website further or click on the link below to get started right away!
Choose Your Amount
WITHIN SECONDS
Fill Out Your Application
WITHIN MINUTES
Get Your Approval
WITHIN HOURS
Get Your Money
WITHIN DAYS
All About Borrowing
We provide a convenient, simple, flexible and fair way to get a loan to satisfy your needs in Jamaica. Apply online in minutes for loans from 1 year to 5 years. Loans are currently up to J$3,000,000.
Learn MoreWhy Carilend?
Victoria Mutual has partnered with Carilend to bring online lending and quick, convenient loans to Jamaicans just like you! Together, we bring you a fast process, great rates and flexible terms.
Learn MoreLet's Get Started
Applying for your loan could not have been made easier. Supply all your details and supporting information online in a matter of minutes and get your answer within one business day. Why wait?
Start NowBorrowing through Us
Our online lending process cuts out the middleman and brings convenience, simplicity, fairness to the process of getting a loan.
Quick, Convenient Loans for Any Purpose!
Our convenient online application process can be completed in a few minutes, and you will get your answer within one business day as long as you have provided all of the information that we need. Find out more about how it works by exploring our website further or click below to get started right away!
Loans from $5,000 to $100,000
from the comfort of your home
Permanently employed and paid through a bank? InstaLoan is the fastest most convenient way to access cash, and the application is 100% online. You could be approved in just one business day.
hi Apply nowApply in minutes. Money within days1.
What would you like to do?
Consolidate debt
Major purchase
Home improvement
Handle emergency
Fast. Easy. Safe.
Call us crazy, but we think you shouldn’t have to go through a long, drawn-out loan process when you need quick cash, so we designed a smart online experience to get you paid fast. With InstaLoan, you never have to visit a bank in person. How’s that for convenience?
How it works?
Apply online
Submit your personal, financial, and employment info using the simple form. Then upload a few documents like your job letter and payslip.
Verify your info
We get to know you. We verify your identity, income, expenses and take a look at your credit history to determine your InstaLoan terms.
Get your money
Once approved, you’ll review and accept your loan and we’ll transfer the funds to your bank account. 100% online. It’s that easy.
Stop stressing about unplanned expenses.
We get it, life is full of surprises. Whether you need to pay a bill, handle an emergency, or go on a family getaway, grab your phone and get an InstaLoan.
Once you’re approved, you can get cash in as little as one day. It’s as easy as ordering a pizza, except you build valuable credit history.
A loan that always has your back.
Stop depending on others not knowing if they’ll come through for you.
Give InstaLoan a try.
Use our loan calculator to see the numbers
Questions? We’ve got answers.
Here’s the skinny on InstaLoan
What is InstaLoan?
Are there other fees?
What documents do I need to provide?
- One piece of national ID (passport, driver's licence or national ID card)
- Selfie (uh huh, we’ll need to see what you look like)
- Bank Statement (Two recent bank statements which show your name, your address, bank, branch and bank account number as well as account activity including salary payments and other credits)
- Payslip (two recent payslips)
- Job letter (A letter on your employer’s letterhead with details about your job title, employment tenure and salary)
Who’s behind InstaLoan?
Do I need to provide collateral?
Are there any penalties for early repayment?
What standards of customer care does Massy Finance InstaLoan adhere to?
What’s the interest rate?
How do I qualify for an InstaLoan?
- You are between the ages of 20 and 65
- You earn a net salary of at least TT$3,000 a month
- You have a regular source of income which is paid into a local TT$ bank account
- You’ve been continuously employed for at least 2 years
- You have a good credit history
- You can afford to repay the loan
- You are a current resident in Trinidad and Tobago and have lived here for at least 3 years
How do I refer someone?
How is the cost of my loan calculated?
- Amount of Credit: How much you request to borrow.
- Interest: What the Lender(s) will earn for lending you their money. Interest is charged on the amount borrowed and the Carilend Fee.
- Carilend Fee: This is what you pay Carilend. The fee is spread over the life of your loan and included in your monthly instalment. It covers:
- Arranging and managing your loan (currently TT$1100)
- The Reserve Fund Contribution which helps protect our Lenders (Varies as a percentage of loan amount depending on your credit score/Risk Grade)
What are some other useful terms I should know?
APR (Annual Percentage Rate): The total cost of your loan as an annual percentage. This is useful to compare loans.
Loan Servicing Share of Interest: The amount we deduct from the interest you pay in every Monthly Instalment to cover the costs of managing your loan (currently set at 30% of the amount of each interest payment).
Late Repayment/Failed Direct Debit Fee: The fee payable for each time a loan payment is missed or paid late and/or a direct debit request is declined by your bank.
Interest on Late Payments: The interest paid on loan payments that have been missed or paid late.
InstaLoan is the official personal, unsecured loan of Massy Finance GFC. This Massy Finance distribution channel is powered by Carilend, Massy Finance's fintech partner, and delivered via Carilend's platform using the Carilend.com website. Massy Finance GFC Ltd is a licensed non-bank financial institution regulated by the Central Bank of Trinidad and Tobago and the Trinidad and Tobago Securities & Exchange Commission. Massy Finance's head office is located at 3rd Floor, Princes Court, 15-17 Keate St, Port-of-Spain. Carilend is the trading name of Caribbean Lending (Trinidad & Tobago) Limited (Registered in Trinidad & Tobago as company number C2018102407228 and offices located at Level 2, Invaders Bay Tower, Invaders Bay, Off Audrey Jeffers Highway, Port of Spain, Trinidad & Tobago). Carilend is a financial technology company, not a bank. You may contact Carilend at infott@carilend.com or (868) 235 6066. For any questions related to Massy Finance GFC’s involvements, you may contact (868) 625-3683 or (868) 625-3686.
Massy Finance is a member of the Massy Group.
This website is operated by Caribbean Lending (Trinidad and Tobago) Limited. By using this website, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Note, Carilend and Massy Finance GFC rely on information from various sources believed to be reliable, including other providers of financial services, but we cannot guarantee the accuracy and completeness of competitor information. Personal information you submit to Massy Finance GFC and Carilend is kept confidential, stored securely, and will not be sold or rented, made public or shared with third parties. For details, please read our complete Privacy Policy using the link below.
Important Disclosures: By completing and submitting your personal information using the application form on this website, you understand your application is not complete until Carilend has verified your information and you have signed the relevant documents.
- 1 Early funding requires the application to be approved and the loan accepted as soon as possible. Delays will affect the length of time it takes to disburse cash. Please log in to your Carilend account dashboard to check on the status of your InstaLoan application and verify the terms and rates you qualify for.
- 2 InstaLoan personal loans interest rates range from 12% to 17%, depending on your credit profile and the loan terms. This loan calculator shows indicative repayments only. Actual monthly repayment amounts depend on the rates and terms agreed to in your InstaLoan application.