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Debt Consolidation
Consolidating your debts just got easier with Cash Xpress! Our debt consolidation loans offer a convenient solution for managing multiple debts. With a limit of CI$ 10,000.00, you can streamline your finances and enjoy peace of mind.
Explore Debt Consolidation Loan.
At Cash Xpress, we understand that every financial situation is unique. That's why we offer flexible repayment options tailored to your needs. Whether you need to consolidate high-value debts or smaller ones, we've got you covered.
Our transparent pricing ensures you know exactly what to expect. For loans above CI$2,000.00, enjoy a competitive rate of 5% per month. And for loans ranging from CI$500.00 to CI$2,000.00, benefit from a rate of 10% per month.
Debt Consolidation Eligibility Criteria
- One in-house photo
- Completed application form
- Job letter ( addressed to Cash Xpress) If you are self-employed, a copy of your Trade & Business License, if the License is being renewed, a copy of the renewal receipt, and the last T&B License along with your financial statements. (Please note that once you receive the new T&B license, it is required of you to send a copy to us.)
- Two most recent payslips (If applicable)
- Valid ID (driver's license and passport page)
- Most recent utility bill in your name (to verify proof address) If the utility is not in your name, we require a verification letter from the person's name on the utility bill
address to Cash Xpress with a copy of their valid I'D - Two character references
- Debit card account details (required for repayment of loan if necessary).
- Work permit (if applicable)
- Collateral (if applicable)
- Proof of outstanding debts (invoices, statements, etc.)
Frequently asked
General questions
The first 3 months of employment are typically considered a probationary period, during which job stability may not be guaranteed. Requiring 6 months of employment helps us make responsible lending decisions and protects both our clients and our business from financial risk.
Kindly note that our standard maximum for first-time borrowers is CI$500.00.However, we pride ourselves on maintaining a flexible and client-focused approach. Depending on eligibility and the specific circumstances, we are sometimes able to consider exceptions on a case-by-case basis.
Yes, you can repay your loan early without any penalties. In fact, early repayment may even save you money on interest. Please contact us if you wish to make early repayment or need more information
The processing time is typically 1-3 business days once all required documents are received. If additional documentation is needed, this may extend the processing time.
To be eligible for a loan with us, you must have at least 6 months of continuous employment with your current employer. This helps ensure that applicants have passed any probationary period and demonstrate a stable income history.
If you miss a payment, please contact us immediately to discuss your options. Late fees may apply, and missed payments can affect your credit history with us and depending on the extent of the missed payment(s) may result in further escalation. It’s important to keep us informed and make arrangements if you're unable to make a payment on time.
Yes, we offer same-day processing for an additional fee of CI$20. To qualify for same-day processing, all required documents must be received in ample time for a thorough review. Please ensure that your application and documents are submitted promptly to take advantage of this service.
Once your application is approved, funds can be disbursed within 24-48 hours. Some cases may take longer depending on verification requirements.
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