More the Merrier Loans

Get more joy, more comfort, and more possibilities with our holiday loan offers. Whether it’s the car you’ve always wanted or the home upgrade you’ve been planning, we’ve got flexible financing to make it happen.

Get More.

More Joy! More Smiles

Vehicle Loans

Residential Mortgages

Easy Cash Loans

Vehicle Loan

Hit the road in style!

  • Affordable monthly payments
  • Special financing for Hybrid/ Electronic Vehicles
  • Get cash back (new and used vehicles)
  • Financing 1st year insurance and fees

Subject to normal lending criteria. Special terms and conditions apply*

Residential Mortgages

Make your Christmas even merrier with our Residential Loan offer.

  • Acquisition
  • Equity
  • Switch

Check Us First!

Make your dreams a reality with our First Loan Offer designed just for customers borrowing with us for the very first time.

  • Borrow up to $20,000
  • Low interest rates
  • Affordable monthly payments
  • Apply online and benefit from reduced fees

Subject to normal lending criteria. Special terms and conditions apply

Enjoy financing tailored to your career success and stability

  • Borrow up to $100,000
  • Affordable monthly payments
  • Low interest rates
  • Apply online and benefit from reduced fees

Subject to normal lending criteria. Special terms and conditions apply

The Key to Your New Home

Open the door to new beginnings this Christmas with a mortgage made for you.

  • Up to 100% financing
  • Get cash back
  • Affordable monthly payments
  • Reduced closing fees
  • Special financing for closing fees and furnishings

Subject to normal lending criteria. Special terms and conditions apply

Wrap Up Your Debt

Make this season lighter and brighter by combining your debts into one manageable payment

  • Borrow up to $120,000
  • No down payment
  • Longer repayment terms
  • Affordable interest rates

Subject to normal lending criteria. Special terms and conditions apply

Exclusive Benefits for trusted experts

Public Servants, Professionals, and Preferred Customers get even more this Christmas.

  • Borrow up to $100,000
  • No down payment
  • Low interest rates
  • Apply online and benefit from reduced fees

Subject to normal lending criteria. Special terms and conditions apply

Experience Ease and Convenience with Our Cash Easy Loans!

Frequently Asked Questions

What documents do I need to apply for a Loan?

  • Job letter (not older than 3 months)
  • Recent pay slip (not older than 1 month)
  • One (1) form of valid identification
  • Proof of Collateral (If applicable) 
  • Proof of address not older than 3 months in your name e.g. utility bill, bank statement
  • If the proof of address is not in your name, you are required to produce a letter of authorization and ID for the person whose name is stated on the utility bill being used

The Bank reserves the right to request additional information/documentation if deemed necessary.

What documents do I need for a Vehicle Loan?

  • Job letter (not older than 3 months)
  • Recent pay slip (not older than 1 month)
  • One (1) form of valid identification
  • Proof of Collateral (If applicable)
  • Vehicle Pro forma invoice
  • Proof of address not older than 3 months in your name e.g. utility bill, bank statement
  • If the proof of address is not in your name, you are required to produce a letter of authorization and ID for the person whose name is stated on the utility bill being used

The Bank reserves the right to request additional information/documentation if deemed necessary.

How do I qualify for a Loan?

Job Stability: The lender usually looks at your employment status (employed/self-employed/retired/unemployed). The length of time you have spent in your current job is important as well as other current information on your employment status.

For persons with weak Job Stability, it is recommended that you have a guarantor or co-borrower to fully secure the loan. If you are self-employed, proof of your source(s) of income is required.

Loans taken by retired persons (over 60) must be fully secured as the loan will not be insured.

Credit History: During the Loan Approval Process, a Loans Officer will review the documentation you have provided. Your past and current loan history determine your credit standing. The better your Credit Rating, the easier your chances of receiving approval for your loan.

Ability to Repay: Based on the documents provided (job letter or financial statements) the Loans Officer considers your level of income, additional sources of income alongside the current commitments you have listed on the Loan Application Form. This is done to ensure that your commitments do not exceed your current income levels.

Collateral: Typically the borrower must show that there is some form of collateral available, in the event that you are unable to repay the loan. Some examples of sources of collateral include savings, investments, assets of value and land.

If no collateral is available, a guarantor may be recommended to provide collateral. This also varies depending on your relationship with the Bank.

Please Note: Information provided on this page is intended for informational purposes only and may not reflect your personal situation. This information is not legal advice, and you may need to contact a qualified financial advisor for advice specific to your personal situation.

What are Loan Fees?

You can expect to pay one-time Transaction Fees for each loan which include the:

The Credit Check Fee is the fee customers are charged to check their credit history and current loans. This fee is $120.00.

The standard Negotiation Fee is 1.5% of the loan amount and is paid by the borrower to close the transaction. This fee is non-refundable.

The Insurance Fee is paid by the borrower to provide for any eventuality (in the event of death of the borrower)

The Deed of Release Fee is a Legal Fee paid to release properties held as collateral for a vehicle loan. This fee is paid at the end of the Loan.

The following fee is the only recurring fee:

The Mortgage Bill of Sale is another Legal Fee, however, this fee is not a one-time fee. This fee is paid by the customer every three (3) years.

Terms and Conditions
  • Subject to normal lending criteria. Special terms and conditions apply
Disclaimer
  • For the duration of the More the Merrier promotion (September 19th 2025  to December 31st 2025), First Citizens is pleased to offer our qualified customers a minimum repayment period of 30 months and a maximum repayment period of 114 months for consumer loans; and up to 35 years for residential mortgages. The maximum Annual Percentage Rate (APR) offered is 12.50% on consumer loans and 5.45% on residential mortgages. Consumer loan and residential mortgage processing fee is 0.50% of the loan amount for qualified customers. Terms and Conditions Apply.