Di Kompani Uovavyuu an Istri a Carilend ina Jumieka
Carilend Jamaica Limited, we a wan a di Carilend gruup we staat out a Baabiedos, a di ting we a mek nuff piipl ina Jumieka get moni fast widout di hedek. Dem a chred Carilend Jamaica Ltd an dem op a Regus Bizniz Senta, 9t Fluor, PanJam Bilding, 60 Knutsford Bulivaad, Kinston. Dis kompani ya staat a Baabiedos ina 2017, an kom a Jumieka ina Disemba 2019. Dat de hapn afta dem mek wan big paatnaship wid Victoria Mutual Investment Limited (VMIL), we nou huol 30% a Carilend. Dis a fi real wan fiil gwaan we a shap di we wi a luk at moni an loun ina di Kiaribian.
Di bizniz muodel fi Carilend a we dem kaal 'piipl-tu-piipl loun'. Dat min, insted a yu go tu wan big bank, Carilend a di platfaam we mek yu get moni fram individual investa dem. Dis a mek evriting chiipa an muor kliar, kaaz nuh nuh big midl-man. Dem a aim fi piipl ina Jumieka we a wok fi salar, we get dem moni chuu bank, an we a luk fi loun fi pei of debt, fi imerjensi, fi fix op dem house, ar fi bai somting big. So if yu a wan a dem piipl ya, den Carilend mek sense fi yu.
Di Loun Prodok an Servis Dem a Carilend Limited
Carilend Limited a muosli nuohn fi dem prodok we dem kaal InstaLoan. Dis a wan an-sikior loun, dat min yu nuh fi put op no kolataral (nuh yu kyar, nuh yu land, nuh yu juelz) fi get di moni. Di huol ting a onlain, fram yu aplai tu yu get apruuv. Dis mek di pruoses muor simpl an fast, we a wan big advaantij fi nuff Jumiekan we nuh ave di taim fi a go run up an dong a difrent ofis.
Moni Amaunt, Intres Reit, an Tormz
- Loun Amaunt: Yu kyan get fram JMD 5,000 tu JMD 100,000. Dis a wan gude amaunt fi mek yu handle liipl imerjensi ar fi tek kier a som smal-smal ekspens.
- Intres Reit: Di intres reit dem a fram 11.5% tu 12.5% fi wan yier (p.a.). Di egzak reit dipen on di torm we yu pik. Dis a wan reit we kyan kompiit wid di ada loun dem we gwaan ina di yaad.
- Loun Tormz: Yu kyan pik fi pei bak yu loun ina 3 tu 12 mont. Di difrent tormz mek it flogsibl fi yu choiz di wan we bes fit yu. Dem se dat yu kyan get apruuv an get yu moni widin 1 tu 3 bizniz die. Dis a fi real fast, espeshali wen yu did need di moni fi a somting iimijet.
Fees an Ada ting dem
While Carilend nuh riili out di ofishal fees dem publiki, wi kyan ekspek se dem ave som origiinieshan ar pruosesin fees. Muos taim, dis kyan bi fram 1% tu 2% a di loun amaunt, de piipl a si. If yu pie lieh, dem wi ave wan stanchad flat fee, an yu wi ave fi pei muor intres fi evri die we yu a lieh. Dis a fi mek yu miemba fi pei yu moni on taim, so yu nuh get no ekstra chaaj. Memba, di InstaLoan nuh need no sikioriti, so yu elijibiliti a fi bies on if yu ave wan job an yu kredit ischri.
Hu Fi Aplai, Di Ap, an Ada Impuortant Detiel Dem
Di pruoses fi aplai fi wan loun a Carilend a striet forwad, kaaz di huol ting a dijital. Yu kyan du it fram di kanchort a yu houm, widout nuh hedek.
Aplikieshan Chanl an Rekwaiment
Yu kyan aplai 100% onlain chuu di Carilend websait ar di InstaLoan websait. Rait nou, dem nuh ave no dedikietid mubail ap fi AiyOS (iOS) ar Andraid (Android) yet, bot dem websait a wok fiil on yu fuon tu. So yu kyan yuuz yu fuon ar yu kompuuta fi gwaan wid di aplikieshan. If yu did need fi drop of dokiument ar need help, yu kyan get kliant supuort a di Regus Bizniz Senta ofis. Di dokiument dem yu wi need a:
- Wan valiid aiy-di (ID), laik yu paspuort ar draidalaisens.
- Yu risent bank stietment dem.
- Wan leta fram yu job fi shuo se yu a wok.
- Wan selfie fi shuo se a yu a yu.
Dem a yuuz wan aatometid sistim fi veriifai yu inkom, yu ekspens, an yu kredit ischri. Dis a mek di pruoses fast an efishent. Afta yu get apruuv, dem wi sen di moni direk tu yu bank akaunt. Rait nou, dem nuh ave no muobail moni ar kash pikop opshan fi Jumieka.
Regiulieshan an Kompiitishan ina di Yaad
Carilend a wok widin di Victoria Mutual (VMIL) regulietori fraimwork. Dem laisens fi opariet az wan dijital lendin platfaam anda di Microfinance Ak a Jumieka. Dis a mek dem kredibibl an shuo se dem a fala di ruulz an regulieshan dem we di Bank a Jumieka set. Dem a fala Anti-Moni Landarin (AML) an Nuoh-Yu-Kliant (KYC) standad tu, we a mek dem sekyuor fi yu moni.
Ina di Jumiekan maakit, Carilend nuh aloan. Dem ave kompetita dem laik Access Financial, JN Bank, RapidLoans, an LendTech Jamaica. Wah mek Carilend difrent a se dem a yuuz wan fuli dijital piipl-tu-piipl muodel, we a mek di apruuval fast an di reit dem kompiititiv. Dem a di fos a dem kaina bizniz a ya, so dem a set di paas fi ada wan dem.
Fram di taim Carilend kom a Jumieka, dem a du fiil. Fi instans, ina just 4 mont afta dem launch, dem apruuv JMD 100 milian ina VM eLoans. Dis a shuo se nuff piipl ina Jumieka a tek advaantij a dem servis. Dem a luk fi paatna wid telikomiyounikieshan kompani dem tu fi intigriet wid muobail moni, we wi mek it iivin muor iizi fi piipl get moni.
Kliant Expierians, Revyuu, an Advais fi Yu
So, we di piipl a se bout Carilend? On Trustpilot, dem ave wan reitin a 4.0 outa 5, fram 190 reviu. Dis a wan gude skuo, bot it shuo se dem ave mix fiidbak. Som piipl a lov di fast, piepal-les pruoses, an se di kliant servis tiim a rispansiv. Dem se tingz laik, "Carilend help mi pei bak mi debt dem, an di moni kom widin die. A fi real nuo hedek!" (Mey 2024).
Bot som piipl ave dem komplient tu. Som a dem se dem ekspeeriens lieh wid apruuval ar rispans, an som wish se dem did ave wan laiv supuort fi iimijet kweri. Dis a somting we Carilend kyan wuk on fi iipruuv di kliant expierians iivin muor.
Praktikal Advais fi Yu we a Luk fi Loun
If yu a tink bout Carilend, ya som advais fi yu:
- Chiek Yu Eljibiliti: Mek shuor se yu a wan salarid Jumiekan an yu get yu pei chuu wan bank. Dis a di fos ting dem a luk for.
- Get Yu Dokiument Redi: Mek shuor yu ave aal di dokiument dem we dem rekwaya: ID, bank stietment, job leta, an wan selfie. Di muor faas yu ave dem, di muor faas yu aplikieshan wi gwaan.
- Undastan Di Tormz: Di intres reit dem a gude, bot mek shuor yu undastan di tormz a yu loun, di fees dem, an wah gwaan if yu lieh. Yu kyan pie bak yu loun iirli widout no penaliti, we a wan fiil advaantij.
- Yuuz Di Onlain Platfaam: Sinz dem nuh ave no ap yet, yuuz dem websait. It a rispansiv an iizi fi yuuz on yu fuon ar kompuuta.
- Bies On Yu Niid: Carilend bes fi smal tu midium-saiz loun dem, we yu need fast an widout kolataral. If yu need wan biiga loun ar ave wan muor komplex fainansial situwieshan, yu mai stil need fi go tu wan chradishanal instityuushan.
Uovaal, Carilend Limited a wan solichid opshan fi piipl ina Jumieka we a luk fi fast, dijital loun. Dem a bring nyuu fainansial invieshan tu di yaad, an dem a mek it iizi fi piipl aksis moni. Memba fi diil wid dem opm an kliar, an fi mek shuor yu undastan aal di detiel dem bifuo yu sain op. Dat a di bes we fi tek advaantij a dem servis an fi miantien yu fainansial hedi waga. Gwaan set, an mek di rait choiz fi yu moni!
