HEAD OFFICE: #24 Sackville Street, Port of Spain | TELEPHONE: 1 (868) 623 - 7570 / 8118

Consumer Loans

Vehicle Loan

New Vehicles
You can own any new vehicles with our 100% financing facility inclusive of insurance, with an eighty four (84) month repayment period.

 

Local and Foreign Used
You can own any local and foreign used vehicle, up to six (6) years old, with our 100% financing facility inclusive of insurance with a sixty (60) month repayment period.

Mortgage Bill of Sale & Instrument of Charge will be held for all mortgaged vehicles

Requirements

New Vehicles

  • Recent Job Letter (three months)
  • Recent payslip (three months)
  • Security Instruments – Mortgage Bill of Sale and Instrument of Charge on the vehicle
  • Full comprehensive insurance coverage over the life of the loan

All other Lending Criteria apply.

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Local and Foreign Used

  • Recent Job Letter (three months)
  • Recent payslip (three months)
  • Mortgage Bill of Sale and Instrument of charge on the vehicle
  • Full comprehensive insurance coverage over the life of the loan
  • Foreign Used Dealers must be registered with the Ministry of Trade

All other Lending Criteria apply.

Home Improvement Loan

Our Home Improvement Loan will assist you in completing simple to complex renovations to your home. Whether it is upgrading your home’s features; creating more living space or even personalizing your home to fit your lifestyle.

Requirements

  • Approved Membership
  • Two valid forms of ID
  • Proof of Address (Utility Bill/Bank Statement no older than 3 months)
  • Evidence of Income (Payslip / Job Letter)
  • Supporting document for the purpose of loan (quotations, builder’s estimates)

* All interest rates calculated on reducing balance. All rates are subject to change without notice.

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Educational Loan

Our Education Loan will assist you in achieving your goal of becoming

certified by attaining your Diploma, Degree, Masters or Doctorate.

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Debt Consolidation Loan

OPENING

Our Debt Consolidation Loan offers members the opportunity to combine all their outstanding loans into one affordable monthly loan. The loan may result in a lower interest rate, lower monthly instalment or both.

REQUIREMENTS

  • Members’ shares must be within 35% of the amount borrowed
  • Recent Job Letter
  • Recent salary slip
  • Evidence of Income/Expenditure (Self Employed)
  • Supporting Documents as per request.
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Medical Loan

Our Medical Loan is to assist for the times when life can be disrupted though sudden illness or accident which may occur; causing you emotional, mental and financial strain. PSCU is here to assist you in these unforeseen times.
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Travel Loan

PSCU offers you the opportunity to obtain that long awaited vacation you always wanted, or that dream honeymoon or simply to get away from it all, with our affordable Travel loans.
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Seasonal Loan

  • In times of unexpected financial difficulty, our Fast Cash and Seasonal Loans can provide you with quick and easy cash. You must be a member for at least one year to access either loans.
  • Fast Cash
    – Minimum value of $500 to a maximum value of $2,000
    – Loan must be repaid in full within thirty (30) days of disbursement
  • Seasonal/Top-Up
    – No need to pay off the existing balance, simply top up
    – Loans available up to a maximum of $10,000
    – To be repaid within 24 months
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Unsecured Loans

Loan Requirements:

  • Membership in PSCU
  • Permanently employed for at least 1 year
  • Job letter (no older than one month)
  • Pay slip (no older than one month)
  • 2 valid forms of Identification
  • Proof of address (preferably in applicant’s name)
  • Self-employed -Business registration and audited financials for at least 2 years and bank statements
  • Has the capacity to repay. No cash payers.
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