Sometimes, we find ourselves in need of a little help to keep a smile on our faces through tough times. That’s why Ready Cash gives you fast access to easy Cash Loans.

  • Get up to EC$13,500 in cash
  • Get cash at a competitive interest rate
  • Make your first instalment 30 days after disbursement

Frequently Asked Questions

Courts Ready Cash is an extension of our Ready Finance product. Ready Cash makes up a portion of your Ready Finance Spending limit and may be used for many purposes. You could use up to EC$13,500 for your personal expenses to include education, travel, purchases, home repairs, small debt consolidation, and even that special vacation/staycation you may have been planning.

Any Employed/Self-employed person can get a Ready Cash Loan. New customers can qualify for up to EC$2,700. Existing customers in good credit standing can qualify for up to EC$13,500.

  • New customers – persons who have never shopped on hire purchase at Courts
  • Recent customers – persons who opened their first hire purchase account more than 2 months ago & who paid the first 2 installments on time
  • Subsequent customers who received calls or whose accounts show they qualify for a cash loan
  • Valid government-issued identification (passport, driver’s license, national ID)
  • Most recent payslip and job letter
  • Recent utility bill
  • 2 references (1 family not living with customer & 1 friend known over 2 years)
  • Employed over 2 years

Customers will sign a Promissory Note which outlines the terms & conditions of the loan.

Cash loans can be done at ALL Courts locations. See locations below.

There is no processing or administrative fee.

Once you complete your application and provide all your necessary documentation, your loan can be approved within 2–24 hours. It’s quick, easy, and hassle-free!

Loans can be repaid at any COURTS location.

Yes a self-employed person can qualify for a loan.

Customers get more than 1 cash loans, providing the combined total does not exceed 50% of the Approved Spending Limit

Need to pay your account?

Apply for a Ready Cash Loan at these Locations

    • Courts (Head Office)

      Corner All Saints Road & Viv Richards St., Saint John
      Tel: +1 (268) 484-1640
      Monday & Wednesday Saturday: 8AM — 5PM
      Tuesday: 9AM — 5PM
      Thursday: 8AM — 4PM
      Friday: 8AM — 6PM
      Saturday: 8AM — 5PM
    • Courts (Hills Park)

      Friars Hill Road, St. John’s
      Tel: +1 (268) 484 1640
      Monday, Wednesday & Saturday: 8AM — 5PM
      Tuesday: 9AM — 5PM
      Thursday & Friday: 9AM — 6PM
    • Courts Ready Cash

      Corner Nevis Street and Corn Alley, St. John’s
      Tel: +1 (268) 484 1640 Ext. 3030—4
      Tel: +1 (268) 562-9328
Monday & Wednesday Saturday: 8AM — 5PM
Tuesday: 9AM — 5PM
Thursday: 8AM — 4PM
Friday: 8AM — 6PM
Saturdays: CLOSED

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