Back to School with a Bang!

First Citizens EZ5 Loan Offer:

  • No payment for up to 3 months
  • Low interest rate
  • No down payment

*Booklist required as proof of purpose
(Valid until 30th August, 2024)

Young couple happy signing their loan disbursement from FCB

Whatever your goals, we’re Here For YOU!

Take a First Citizens loan and benefit from:

  • Low Interest rates
  • Longer repayment terms
  • No payment for up to 3 months
  • Affordable monthly payments
  • Get Cash back on residential mortgages

Subject to normal lending criteria. Special terms and conditions apply

Girl smiling with a brand-new car, thanks to a First Citizens car loan

Get a New Car!

If you have the drive, we can help you succeed!

  • Up to 100% financing
  • Get Cash back on new and used vehicles
  • No payment for up to 3 months
  • Up to 10 years to repay
  • Special “One Loan” includes first year’s vehicle insurance and associated fees
  • Special rates and terms for existing First Citizens customers, professionals and persons purchasing a Hybrid, Electric or CNG vehicle

Subject to normal lending criteria. Special terms and conditions apply

Guy smiling with an EZ loan from FCB

Apply for a hassle-free EZ Loan!

Get an EZ $10k, $15k, or even up to $20k:

  • Borrow up to BB $20,000
  • Low interest rates
  • No payment for up to 3 months
  • No Proof of Purpose required

Subject to normal lending criteria. Special terms and conditions apply

Happy financial advisor using touchpad while talking to young couple during the meeting. Copy space.

Debt Consolidation Loan

With our Debt Consolidation Loan, you can merge all your debts into one affordable monthly payment

  • Borrow up to BB $60,000
  • No down payment
  • Low Interest Rate
  • Affordable monthly payments
  • Apply online and benefit from reduced fees

Subject to normal lending criteria. Special terms and conditions apply

Happy family unpacking into their new home

Residential Mortgages

Buying a Home? Get prequalified now!

  • Up to 100% financing
  • Low interest rates
  • Get cash back (Loan values over $150k)
  • Max term 35 years or age 67
  • More time to repay
  • Financing of up to $45k for mortgage related expenses

Subject to normal lending criteria. Special terms and conditions apply

First Citizens green energy loan Using of charge station, solar panel and windmill

Green Energy Package

Use your First Citizens loan to purchase Green Energy products and enjoy further benefits.

  • Borrow up to BB $150,000
  • Low interest rates
  • No down payment
  • Affordable monthly payments

Subject to normal lending criteria. Special terms and conditions apply

Tertiary Education

Get funding to pursue full-time or part-time tertiary-level education

  • Low Interest Rate
  • Flexible payment options
  • No payment for up to 3 months
  • Affordable monthly payment
  • Apply online and benefit from reduced fees

Subject to normal lending criteria. Special terms and conditions apply

customer testimonial

I got a EZ 15 loan from First Citizens Bank to get my associate degree in interior design! No second jobs or ramen noodle nights. I can focus on work, study, and maybe even have a social life.”

Dana Diane, 42  
Receptionist & Aspiring Interior Design
Customer

customer testimonial

“…Sometimes you just need somebody patient to understand where you coming from, de issues you balancing, and to help you find a solution.”

Alex Johson, 27
Senior Research Officer & Entrepreneur
Customer

customer testimonial

“First Citizens Bank gave me a way to simplify all those monthly bills into one single payment. Lower interest rates, some structure, and things began to feel a lot less overwhelming.”

John James, 32
Graphic Designer
Customer

customer testimonial

“The first ad I saw when I started looking was from First Citizens Bank, offering special financing for electric vehicles… called them one time. Now look at me driving about in the future… they won’t even hear me coming.”

Jerry Johnson, 30
Real Estate Agent
Customer

customer testimonial

“I got a $70,000 cash loan based on the value I built up in my home, this was the time to do it. I’m still young and I like my house, but when I’m done with all these upgrades and renovations I’m going to love it.”

Sandy John, 49
Finance Manager
Customer

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 Here for You promotion (February 1st 2024 to September 13th 2024), First Citizens is pleased to offer our qualified customers a minimum repayment period of 24 months and a maximum repayment period of 120 months for consumer loans; and up to 35 years for residential mortgages. The maximum Annual Percentage Rate (APR) offered is 13.75% 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