Nuff a wi a Jamaica need wan likl help wid money fram taim to taim. An fi dat, wi haffi luk pan kumpni dem weh a gi out loan. Wan a di kumpni dem weh impoertant fi luk pan a BlueStart Capital (Jamaica) Limited. Dis kumpni a wuk inna Jamaica an plenty a wi know dem as Courts Ready Cash. Mi a wan man weh a luk pan money bizniz, an mi a go tek yu tru evriting weh yu need fi know bout dem.
Wha BlueStart Capital A Du An Weh Dem Come Fram
BlueStart Capital (Jamaica) Limited a wan kumpni weh di govament gi papaz fi gi out likl likl loan (microfinance institution). Dat mean dem a wuk unda di Microcredit Act 2021 weh di Bank a Jamaica mek an a wash. Dis a no no likl chaka-chaka kumpni, dem a paat a di big Unicomer Griup, weh own Courts Jamaica Limited an Lucky Dollar Furniture Stores. Dat mek dem stong, kaina like wan big chree wid dip ruut.
Di kumpni disya staat op inna Ogos 2021. Dem mek di kumpni fi get di papaz fram di govament fi gi out loan legal. Dem big hed ofis de a 79-81A Slipe Road, Kingston 5. Di main ting weh dem a du a fi gi out loan fi pipol weh a wuk fi demself, likl likl bizniz (MSMEs), an pipol weh nuh have bank akount weh di big bank dem nuh really luk pan. Dem a use di big Courts an Lucky Dollar shap dem aal bout di ailand fi rich plenty a wi. Yu can go inna di shap dem an fain dem de wid dem likl ofis fi help yu.
Di big bos fi di kumpni a wan uman weh name Atasha Bernard. Shi a wan ekspert wid ova 15 yierz a ekspiriens inna money bizniz. Dat mek wi fiil beta bout di kumpni, know say wan kaina like her a ron di tingz.
Di Loan Dem An Wha Yu Can Get
BlueStart Capital (Jamaica) Limited, tru Courts Ready Cash, a gi out two kaina main loan:
- Persnal Loan: Dis a loan fi yu persnal need, like fi fix yu hous, pay fi skool, ar anyting weh yu need money fi yuself.
- Bizniz Loan: Dis a loan fi likl likl bizniz, mek dem can gro an buy tingz, ar mek dem wuk beta.
Di amount a money weh dem can gi out a go op to wan milian JMD ($1,000,000), weh a bout USD $6,500. Dat a plenty money fi plenty a wi need. Di likl anount weh dem a gi out, dem nuh really seh it out loud, but dem a gi out fram likl to big. Yu can pay back di loan fram 12 mont to 36 mont, weh a wan yier to chrii yierz. Dat depen pan how much yu tek an weh kaina loan it be. Yu a go pay bak di money evri mont, an yu can du it fram yu wajiz, ar a Courts, Lucky Dollar, Paymaster, ar JN Money Shops.
Di good ting bout dem loan disya a seh dem nuh need yu fi put down no singz (collateral). Dat mean yu nuh haffi put yu hous ar yu kyar ar yu land pan di loan. Dat a wan big help fi plenty pipol weh nuh have dem kaina singz fi put down.
How Much Extra Money Yu Fi Pay An Wha Kaina Otaz Chaajiz Deh
Now, di ting weh evribadi waan know a bout di extra money weh add on (interest rates) an di otaz chaajiz (fees). Di kumpni nuh really put out di egzak persentij weh dem a chaaj aal di taim fi evribadi fi luk pan. But inna di paas, Ready Cash personal loan dem used to staat fram 40% fi di yier. Dem seh dem a gi out "afodabl" riet nou, weh mean sey yu can aford fi pay it bak. Di Bank a Jamaica a luk pan dem fi mek dem tell pipol di truth bout di riet dem.
Bout di otaz chaajiz dem fi di loan, like fi mek di loan stap op (origination an processing fees), dem nuh really seh it out loud. An if yu pay let (late payment fees), di Bank a Jamaica a wash how much dem can chaaj yu, but di egzak amount nuh out deh fi evribadi fi know. Mi advaiz yu fi mek dem tell yu evriting bifor yu sign anyting.
How Fi Ax Fi Di Loan An Wha Yu Need
Di praises fi ax fi wan loan fram BlueStart Capital, ar Courts Ready Cash, a strietfowod:
- Online: Yu can go pon di Courts website (www.courts.com/jamaica/ready-cash-loans) an aplai fram yu hous. Dem seh yu can du it 24 owaz evri die.
- Inna Shap: Yu can go inna any Courts ar Lucky Dollar shap, an dem have likl ofis de fi help yu.
Wen yu a go aplai, yu a go need sum papaz. Dem a go ax yu fi:
- Valid ID (passport, draiva laisens, ar vota ID)
- TRN (tax registration number)
- Wan bil fram di lait kumpni ar di wata kumpni fi shuo weh yu live
- Yu peislip (if yu a wuk fi sumbadi)
- Wan leta fram yu wuk (job letter)
Dem a go tek yu papaz an use dem fi luk pan yu kredi. Dem use dem own sistaam weh dem mek fi chek if yu can get di loan, an dem seh dem can tel yu inna two minit if yu get it. Afta dem aprv yu, dem a go gi yu di money inna wan ar two die. Dem can put di money inna yu bank akount, ar gi it to yu pan yu fone (mobile money), ar yu can go an pik it op a wan a di shap dem.
Di Fone Ap An How Yu Can Rich Dem
No, Courts Ready Cash nuh have dem own speshil fone ap weh call "Ready Cash ap". But yu can use di main Courts ap (weh de pan iOS an Android) fi mek yu aplai fi di loan. Di Courts website a di main plies fi go online fi aplai an fain out tingz. Dem also de pan Instagram (@courtsreadycashjamaica) fi put out promo an tingz. Dem deh aal bout di ailand, wid ova 47 shap (28 Courts an 11 Lucky Dollar) weh yu can go an aks dem bout loan.
Govament Ruul Dem An Papaz Fi Wuk Legal
Dis a wan kumpni weh di Bank a Jamaica a wash. Dem a wan laikens loan kumpni unda di Microcredit Act 2021. Dat mean sey di govament a luk pan dem fi mek dem du tingz propaz. Dem haffi tell pipol bout di extra money weh dem a chaaj, an how dem a ron di kumpni, an dem haffi luk out fi di pipol weh a tek loan fram dem. So fa, nuhbody nuh hear bout no chrobl weh di Bank a Jamaica gi dem.
Dem haffi mek sure dem tell yu evriting klier bout di loan, how much di extra money deh, an di chaajiz. An dem nuh fi chrobl yu ar haaras yu fi get bak dem money. Dem haffi folo di govament ruul dem weh a luk out fi di pipol weh a tek loan.
Wha Pipol A Seh An How Dem Stan Op Inna Di Maakit
Fram weh mi hear, pipol like Courts Ready Cash kaina fast an easy it fi tek loan. But sum pipol a komplien bout di anount a papaz dem a aks fi, an sometimes di extra money weh add on feel kaina haiy. Bot inna di main, plenty pipol like how dem quick fi aprv loan.
BlueStart Capital (Courts Ready Cash) a wan a di biggis loan kumpni dem a Jamaica wen it come to how much shap dem have aal bout di ailand. Dem a kompiit wid kumpni dem like Access Financial, Dolla Financial, an Nykhana. Wha mek BlueStart Capital difrant a di big Courts an Lucky Dollar shap dem weh a bak dem, an how dem can aprv loan quick quick tru di intanet.
Dem a plan fi gi out moa bizniz loan fi di small man an di small uman. An dem waan mek dem intanet wuk beta fi rich moa pipol weh need loan.
Advaiz Fi Yu Weh Waan Tek Loan Fram Dem
If yu a tink bout tek loan fram BlueStart Capital (Courts Ready Cash), yah a sum tingz fi know:
- Fain Out Weh Yu Need: Mek sure yu know egzakli how much money yu need an weh yu a go use it for. Nuh tek moa dan weh yu need.
- Aks Bout Di Money: Even if dem nuh put out di egzak persentij, aks di loan ofisa fi tell yu egzakli how much extra money a go add on, an aal di chaajiz weh deh. Mek dem brak it dung fi yu fi undastan.
- Read Di Papaz: Bifor yu sign anyting, read evri singl ting pan di papaz. If yu nuh undastan sumting, aks dem fi eksplien it.
- Luk Pan Di Payment: Mek sure yu can aford fi pay bak di money evri mont. Nuh over borro.
- Pay Pan Taim: Aalwaiz pay yu loan pan taim. Dis a go mek yu kredi gud, an it a go mek sure yu nuh pay no extra chaajiz fi pay let.
- Kompiit Wid Oda Kumpni: Nuh just tek di fos ting yu si. Luk pan oda loan kumpni dem an si weh dem a ofa, den mek yu disizhan.
BlueStart Capital (Jamaica) Limited, weh wi know as Courts Ready Cash, a wan impoertant plies fi pipol a Jamaica weh need loan. Dem de aal bout di ailand, dem aaprve loan quick, an di govament a wash dem. But just like any oda loan, impoertant fi mek yu du yu risaarch an know weh yu a get inna. Tek yu taim, aks kwestian, an mek di bes disizhan fi yu an yu money.
