The approved loan amount is subject to our assessment of your personal financial circumstances.
Choose how much you want to repay each month (minimum repayment applies).
Once you've repaid your Flexiloan, you can redraw the credit if you need to - just like an overdraft.
Transfer all or a portion of the funds into your current account via online or telephone banking. You'll only pay for the portion of the loan that you transfer.
We won't charge you to setup your Flexiloan.
If you don't use your Flexiloan, you don't pay anything.
17.9% APR Representative
For loans between $500 and $5,000.
To apply for a Flexiloan you need to:
Our Flexiloans are subject to status.
Call us on +1 (873) 389-9136
Lines are open from 8am to 10pm every day (except for Christmas Day, Boxing Day and New Year's Day).
Cloy Merchant current account customers can book an appointment to apply in branch by calling +1 (873) 389-9136.
Alternatively, you can book a branch appointment online.
You’ll need to bring identification and proof of your address.Log on to book an appointment online Continue without logging on
Borrow from $1,000 to $25,000 and make your plans a reality with a personal loan from Cloy Merchant.
Available exclusively to Cloy Merchant Premier current account customers.
Available exclusively to Cloy Merchant current account customers who are within 5 years of graduation.