Loan Policy
At JPOL, we offer competitive loan solutions, tailored to meet the needs of our members. For a member to have been qualified to borrow it was customary to be saving regularly with JPOL for a period of six (6) months at the following ratio: Up to ten (10) times their shares if the share balance is above $250,000.00 and up to four (4) times if the balance is less than $250,000.00.
But have you heard?! Now borrowing from JPOL is as easy as 1, 2, 3:
- No qualifying time OR qualifying shares required for collateral loans.
- Two months moratorium (payment holiday) on NEW collateral loans
- Get up to ten years to repay Home Equity Loans
Conditions Apply
- Loans within shares are readily accessible and processed while you wait.
- Loans are subject to adequate security and ability to repay within a given period.
- Lump sum deposit are not normally regarded as regular savings until 120 days after being deposited
- Loan repayments are designed to ensure that you continue to save while reducing your loan balance.
Loan Products
- Real Estate Acquisition & Home Improvement
- Motor Vehicle Purchase & Repairs
- Debt Consolidation
- Educational
- Computer Purchase
- Medical Expenses
- Business Development
- Vacation & Travel
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