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Manchester Co-operative
Credit Union (1977) Ltd.
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Home/Loans/Secure 24 Same Day Loan
Secure 24 · Same Day Loan

Get cash in hand, same day.

Borrow up to 95% of your savings at our lowest loan rate on offer, approved within 24 hours, for any legal purpose, while your savings keep earning interest.

Apply for this loan Estimate my payment
A member being served quickly at the MCCU counter
Up to 95%
Borrow against your savings
Approved in 24 hrs
Same-day access to funds
Lowest rate
Our best loan rate on offer
Free loan protection
Up to $1.2M cover*
Why choose it

Fast cash, secured by your savings

Put your savings to work as security and unlock our lowest rate, with same-day approval and your money still earning interest.

1

Borrow up to 95%

Access up to 95% of the savings you pledge as security. Keep your funds working and still get cash.

2

Our lowest rate

Because it’s secured by your savings, Secure 24 carries our lowest loan rate on offer.

3

Approved in 24 hours

A hassle-free process with approval within 24 hours so you get your money fast.

4

Any legal purpose

Use the funds for whatever you need: bills, school, travel, emergencies or opportunities.

5

Keep earning interest

Your savings continue to earn interest even while they’re held as security for the loan.

6

Free loan protection

Free Loan Protection insurance of up to $1,200,000.00* gives your family peace of mind.

Payment estimator

Estimate your monthly payment

Move the sliders for an indicative estimate. Secure 24 is secured by your savings. The rate below is for illustration only; your Credit Officer will confirm your exact rate and terms.

J$500K
J$50KJ$5M
3 yrs
6 mo10 yrs

Illustrative only, ask us for your rate.

Estimated monthly payment
J$15,668
Amount borrowedJ$500,000
Savings to pledgeJ$526,316
Total interestJ$64,055
Total repaymentJ$564,055
Apply with a Credit Officer →
What to bring

Simple to apply

What you’ll need

Valid photo ID (Passport, Driver’s Licence or National ID)
Taxpayer’s Registration Number (TRN)
Proof of address (not older than 3 months)
Credit Union passbook / account in good standing
Savings on account to pledge as security
Completed loan application form

Good to know

Borrow up to 95% of the savings you pledge
Your pledged savings keep earning interest
Approval within 24 hours, hassle free
Available for any legal purpose
Free Loan Protection insurance up to $1,200,000.00*

Disclaimer: The terms and conditions of the products are subject to change from time to time. Please confirm the current terms and conditions with a Member Service Representative. *Conditions apply.

Three simple steps

How to apply

01

Have savings to pledge

Hold savings on your account as security. You can borrow up to 95% of the balance.

02

Apply in minutes

Visit a branch or call 876.962.0401 with your ID and TRN. The process is hassle free.

03

Get funds, same day

With approval within 24 hours, access your cash fast for any legal purpose.

Other loans you may like

View all loans →
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Dream Wheels Auto Loan

Up to 100% financing at 7.50% for your new or pre-owned vehicle.

Learn more →
Home

Property Loan

Buy, build or improve your home. Borrow up to $25M over up to 20 years.

Learn more →
Flexible

Moni-Tree Line of Credit

A revolving line of credit you can draw on whenever you need it.

Learn more →

Need cash fast?

Put your savings to work and get approved within 24 hours.

Meet our Credit Officers →Call 876.962.0401
Secure 24 Same Day LoanUp to 95% of your savings · approved in 24 hrs
Estimate paymentApply now →
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Manchester Co-operative
Credit Union (1977) Ltd.

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Get in touch
876.962.0401Mandeville & Christiana, Manchester
Kingston Branch
27 Parkington Plaza, Kingston 10, Jamaica, W.I.
876-920-7447 / 876-906-5362
Montego Bay Branch
Shop 22, Sagicor Commercial Centre, Howard Cooke Blvd, Montego Bay, St. James, Jamaica W.I.
876-979-6516
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