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JDFCU LOANS CALCULATOR

Loan Details

Limit of $3,000,000.00

Interest Rate of 15% p.a.

Maximum Repayment of 72 months

Requirements Checklist

  • 3 Months deductions
  • Compulsory Savings as per band
  • Debt Service Ratio 70% or less
  • Last two pay slips
  • Picture Identification
  • Proof of Loan Purpose

Loan Details


Vehicle Age  Deposit Required  Repayment Period   Interest Rate
13 Yrs                   20%                        2.5 Yrs                                12%
12 Yrs                  20%                         3 Yrs                                   12%
10-11 Yrs            10%                          5 Yrs                                   12%
8-9 Yrs               10%                          6 Yrs                                   10%
6-7 Yrs               10%                           6.5 Yrs                               10%
4-5 Yrs               5%                             8 Yrs                                  8.50%
2-3 Yrs               5%                             8 Yrs                                  8.50%
New -1 Yr          0%                             10 Yrs                                6.59%

Requirements Checklist

  • 3 Months Deduction
  • Pro-forma Invoice/ Sales Agreement
  • Valuation Report (Not needed for new and 1 year old vehicles)
  • Certificate of Fitness
  • Copy of Certificate of Title
  • Last two pay slips
  • Debt Service Ratio 70% or below
  • Driver’s License

Loan Details

Limit of $1,000,000.00

Interest Rate of 15% p.a.

Maximum Repayment of 60 months

Revolving and Automated Top Ups! (no need to come in branch)

Requirements Checklist

  • Must have 6 months deductions
  • Share Equity of 15%
  • Compulsory Savings as per band
  • Debt Service Ratio of 70% or lower
  • ID
  • Last two pay slips
  • Job Letter (where necessary)

Loan Details

Maximum of $17,000,000.00

Interest Rate of 11.50% p.a.

Maximum Repayment of 15 Years

Revolving and Automated Top Ups! (no need to come in branch)

Requirements Checklist

  • Proof of Loan Purpose
  • Compulsory Savings as per Band
  • Share Equity of 10%
  • Last two Pay Slips
  • ID
  • Job Letter (only necessary if not military personnel)
  • Character Reference Letter from OC/Supervisor (for membership under three (3) years
  • Debt Service Ratio 70% or lower
  • Accompanying documents for Security 

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