Whatever your goals, they are possible

  • No payment for up to 3 months
  • Affordable monthly payments
  • Low Interest rates
  • Get Cash back on new and used vehicles


Subject to normal lending criteria. Special terms and conditions apply

Vehicle Loan (New & Used)

From the passenger’s seat to the driver’s seat

  • 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

Subject to normal lending criteria. Special terms and conditions apply

Acquisition Mortgages

Get a home to call your own with First Citizens

  • Up to 100% financing
  • Low interest rates
  • Borrow up to BB $750,000
  • Financing for up to BB $30,000 mortgage related expenses

Subject to normal lending criteria. Special terms and conditions apply

Equity Mortgage

  • Up to 85% financing
  • Low interest rates
  • Pay reduced closing fees
  • Financing for up to BB $30,000 mortgage related expenses

Subject to normal lending criteria. Special terms and conditions apply

Switch Mortgage

  • Financing for up to BB $30,000 mortgage related expenses
  • Low interest rates
  • Get Cash back

Subject to normal lending criteria. Special terms and conditions apply

EZ 15/20 Loan

Make your big plans come through

  • 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

Green Energy Product Loan

Set a goal to do more for the environment

Let’s do more for the environment, by choosing to purchase green energy products like solar panels, solar water heaters or a hybrid vehicle. Use your First Citizens loan to go green and you’ll benefit from further reduced rates.


Subject to normal lending criteria. Special terms and conditions apply

Debt Consolidation

  • Borrow up to BB $60,000
  • No down payment
  • Low Interest Rate
  • Affordable monthly payments

Subject to normal lending criteria. Special terms and conditions apply

Public Servants Loan Offer

  • Borrow up to 10x salary max of BB $30,000
  • No down payment
  • Low Interest Rate
  • Affordable monthly payments

Subject to normal lending criteria. Special terms and conditions apply

Professional Loan Offer

  • Borrow up to BB $50,000
  • Low Interest Rate
  • No down payment
  • No proof of purchase required

Subject to normal lending criteria. Special terms and conditions apply

Loan Requirements

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.