Find the right loan for the moment
Nine ways to borrow, filter by what you need.
Secure 24 Same Day Loan
Borrow against your savings and get approved and disbursed the same day.
Dream Wheels Auto Loan
New or pre-owned, personal or commercial, finance your next vehicle.
Property Loan
Buy on the open market, build on your own land, improve your home, or acquire land.
MCCU Tech Loan
Finance educational equipment and supplies for you or your family.
Moni-Tree Line of Credit
Ongoing, hassle-free access to credit without re-applying each time.
Commercial Auto Business Solutions
Finance vehicles for public transport and commercial operators: taxis, buses, goods and refrigerated trucks.
Civil Servants Go Unsecured Loan
An unsecured loan designed for civil servants.
Over-the-Counter Unsecured Loan
Quick over-the-counter unsecured borrowing for everyday needs.
Moni Booster Unsecured Loan
An unsecured loan to give your cash flow a boost.
Drive away in your dream wheels
Up to 100% financing is available, for vehicles up to 10 years old: new or pre-owned, personal or commercial.
What you can borrow
Figures shown are product features published by MCCU. Terms and conditions are subject to change from time to time. Please confirm the current terms with a Member Service Representative.
Loans side by side
| Loan | Type | Security | Best for | Key feature |
|---|---|---|---|---|
| Secure 24 | Secured | Your savings | Fast cash | Same day, up to 95% of savings |
| Dream Wheels | Secured | The vehicle | Buying a car | Up to 100%, vehicles ≤ 10 yrs |
| Property Loan | Secured | Property | Home & land | Buy, build, improve or acquire land |
| MCCU Tech Loan | Instalment | 10% shares | Education | Up to $250,000 over 2½ yrs |
| Moni-Tree | Line of credit | Savings or equity | Ongoing access | Draw funds without re-applying |
| Civil Servants Go | Unsecured | None | Civil servants | Unsecured personal borrowing |
Estimate your monthly payment
Move the sliders to see an illustration. Amounts up to J$25M over up to 20 years reflect our top-end Property Loan. Actual limits, terms and rates vary by loan type and your ability to repay; enter the rate quoted by your credit officer for an accurate estimate.
This calculator is for illustration only and does not represent an offer of credit or a quote of any MCCU interest rate. Actual rates, fees, terms and eligibility are determined by MCCU and confirmed by a Member Service Representative.
Four steps to your loan
Become a member
Loans are for members. Not one yet? Joining is quick.
Gather your documents
Use the checklist on the right so you’re ready.
Meet a credit officer
They’ll match you to the right loan and guide your application.
Get your funds
Once approved, your loan is disbursed, same day on Secure 24.
What to bring
General loan requirements
Questions, answered
Ready to move forward?
Our credit officers will help you find the right fit: no pressure, just guidance.
