Call 1.888.724.3653 to apply for your personal loan.

A tailor-made solution:

  • Starting at $2,000
  • Terms: 12 to 84 months
  • Fixed APR2
  • Discounts on your APR3

Benefits:

  • Up to 90 days to make your first payment4
  • Disbursement at any of our branches

Choose your region to apply:

USVI Tortola (BVI)


You can also apply by calling our Telemarketing Center at 1.888.724.3653.

You must meet the following criteria to apply for a loan:

  • You must be a resident of St. Thomas or St. Croix (US Virgin Islands) or Tortola (British Virgin Islands)
  • You must be at least 18 years old. If you are under 18, you must present an emancipation decree or a marriage certificate

Important documents needed when applying for a loan:

  • Email address (to contact you quickly and easily)
  • Monthly net income – The money you get after deductions (this information appears on your pay stub)
  • Social Security number

1Subject to credit approval. Other terms and conditions apply.

2The base rate varies by region: USVI: Base rate starting from 8.99% APR to 29.99% APR, minimum base 7.99% APR. The APR will be based on your credit score and credit history. BVI: Base rate from 10.70% APR ($2,000 - $4,999), 11.45% APR ($5,000-$14,999) and 11.95% APR ($15,000 +); minimum rate is 9.70% APR when you choose a loan term of 12 to 24 months. Base rate from 11.40% APR ($2,000 - $4,999), 11.95% APR ($5,000-$14,999) and 12.45% APR ($15,000 +); minimum rate is 10.40% APR when you choose a loan term up to 36 months. Base rate from 11.90% APR ($2,000 - $4,999), 12.45% APR ($5,000-$14,999) and 12.95% APR ($15,000 +); minimum rate is 10.90% APR when you choose a loan term of 37 to 84 months. Other discounts do not apply. Other terms and conditions apply.

3Discounts: USVI: 0.50% if you enroll in Direct Payment and if you have or open any of the following deposit accounts: Ideal or Popular Plus, a credit card or reserve line and/or 0.50% discount for loans with terms of 12 to 60 months. Example: a $2,000 loan at 7.99% APR for 60 months, after applying the discount to the base rate, would pay $40.54 a month; a $5,000 loan at 8.49% APR for 72 months, after applying a discount to the base rate, would pay $88.87 a month. BVI: 0.25% if you enroll in Direct Payment, 0.50% if you have or open any of the following deposit accounts: Ideal or Popular Plus®, 0.25% if you have or apply for a credit card or reserve line. Example: a $2,000 loan at 9.70% APR for 24 months would pay $92.01 a month. Other discounts do not apply. Other terms and conditions apply.

4You have the option to begin paying your loan up to 90 days after disbursement. However, this does not constitute a waiver of the interest accrued during this period. If the applicant is a covered borrower according to the definitions of the Military Lending Act, the availability of this option is subject to the provisions of said law.