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
  • Payment Protection Plan5

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.

5Obtaining this insurance is optional and may be canceled at any time. Banco Popular will not condition the credit decision to the purchase of this insurance or that you agree not to obtain insurance from an unaffiliated entity. The Bank will not reject insurance presented by you for your transaction when it complies with the coverage, financial strength and service requirements provided by the insurer. Insurance products are not insured by the FDIC or by any other federal government agency, they are not deposits or obligations nor are they guaranteed by the Bank or its subsidiaries or affiliates. Some insurance products may lose value. Certain limitations, exclusions and conditions apply. For more details, refer to the Insurance Certificate.