Why Choose Friend & Company Financing?
More Than a Loan—More Value for You.
At Friend & Company Financing, we believe getting a loan should be about more than meet an immediate financial need. That’s why we provide a combination of financial benefits, convenient services, rewards, and professional development opportunities designed to make borrowing easier, help you save money, build new skills, and get more value from your borrowing experience.
Competitive Interest Rates
We offer competitive interest rates based on your approved loan term and individual credit assessment. Our transparent pricing structure is designed to provide clarity on rates, fees, and repayment expectations.
View our Rates, Fees, Processing, Repayment & Disbursement Policy for full details.
No Upfront Processing Fee
Applying for a loan costs you nothing upfront.
Your processing fee is only payable after your loan has been approved.
You may either:
- Pay the processing fee before your loan is disbursed; or
- Have the fee added to your loan and repaid as part of your monthly installments.
View our Rates, Fees, Processing, Repayment & Disbursement Policy for full details.
FREE Phone Credit
Every approved loan includes J$200 prepaid phone credit.
You may choose whether the credit is sent to your Digicel or Flow prepaid mobile number.
Loan Success Bonus
Borrowers who successfully complete their loan without incurring any late payment fees will receive a one-time J$100 prepaid phone credit.
The credit may be sent to either a Digicel or Flow prepaid number.
Processing Fee Discounts
We reward both new and returning borrowers. It’s our gesture of appreciation for your loyalty and commitment to financial responsibility.
| First-time borrower | 10% discount |
| Second loan and onward | 5% discount |
| Civil Servant | 15% discount |
The Civil Servant Discount is not applicable with any other processing fee discount.
Three-Day Grace Period
We understand that unexpected situations can arise.
You have three (3) calendar days after your scheduled payment due date to make your payment before a Late Payment Fee is charged. Calendar days include weekends and public holidays.
View our Rates, Fees, Processing, Repayment & Disbursement Policy for full details.
Referral Rewards
Refer a friend, family member, or colleague to Friend & Company Financing and earn a J$1,000 Referral Bonus for every successful referral.
See our Referral Programme page for full terms and conditions.
Free Monthly Loan Statements
Stay informed with monthly e-statements at no additional cost, ensuring transparency and easy tracking of your loan progress.
Your statement includes:
- Loan principal
- Interest charged; and
- Payments received to date;
- Outstanding balance.
Complimentary Career Development Course
Every approved borrower receives a complimentary Personal & Career Development e-Certificate Online Course provided by INFOSERV Learning Management System.
Your course includes:
- 24/7 online access
- 90-day access period
- Professional e-Certificate upon successful completion
- Personal and professional development training
Salary Deduction Employer Benefit
Participating employer partners receive a one-time complimentary allocation of two (2) Career Development Course seats as part of our salary deduction programme. The benefit is provided once per participating employer partner and is not linked to the number of loans facilitated.
Please refer to our Course Benefits Policy for full details.
Quick Loan Decisions
Once all required application forms, supporting documents, and information have been received, we aim to process:
- First-time borrowers: 2–3 business days
- Existing borrowers: 1–2 business days
View our Rates, Fees, Processing, Repayment & Disbursement Policy for full details.
Fast & Convenient Online Applications
Apply online anytime from your computer or mobile device.
Complete your application, upload supporting documents, and communicate with our team throughout the application process via phone, WhatsApp, or email—without visiting our office.