We Finance logo WE FINANCE Limited

Financing that works as hard as you do

We Finance Limited provides accessible microcredit to employed Jamaicans — with simple applications, quick decisions, and convenient salary-deduction repayments.

Apply for a loan

About We Finance

We Finance Limited is a Jamaican microcredit institution helping working people access the funds they need — when they need them.

We partner with employers across Jamaica so their staff can borrow with confidence and repay conveniently through salary deduction. Our process is straightforward: apply online, get a quick decision, and manage repayments without the runaround.

  • Licensed microcredit institution in Jamaica
  • Simple online application — no branch visit needed to start
  • Repayments through convenient salary deduction
  • Clear terms, no hidden surprises
We Finance team member

Our loans

Salary-deduction loans

Our signature product: borrow and repay automatically through your employer's payroll. Available to staff of our partner companies.

Personal microloans

Short-term financing for life's needs — bills, school expenses, emergencies, and everything in between.

Repeat-borrower benefits

Repaid a loan with us before? Returning customers enjoy a faster, streamlined application process.

Loan amounts, rates and terms are confirmed with each applicant — apply to get your personalized offer.

How it works

1

Apply online

Fill out the application form with your personal and employment details. It takes just a few minutes.

2

Quick review

Our team reviews your application and verifies your employment details.

3

Get your decision

We contact you with the outcome and your loan terms.

4

Repay with ease

Repayments come straight from your salary — simple and automatic.

Start your application

Who can apply?

  • Employed full-time (probation completed at most employers)
  • Valid Jamaican TRN
  • Valid government-issued ID
  • Recent pay slips
  • Active bank account

Exact requirements can vary by employer arrangement. If you're unsure, apply anyway — we'll let you know what we need.

Frequently asked questions

How do I apply?

Fill out the online application form. We'll review it and contact you — usually quickly.

How do repayments work?

Most of our loans are repaid through salary deduction, arranged with your employer. A fixed amount comes out of each paycheque until the loan is repaid.

What documents will I need?

Typically your TRN, a valid ID, recent pay slips, and proof of address. We'll confirm the exact list when we contact you.

I had a loan with We Finance before. Can I apply again?

Yes — returning customers are welcome, and the process is faster the second time around.

Is my information kept private?

Absolutely. Your application details are stored securely and only used to assess your loan request.

Contact us

Questions about a loan or an application? Reach out.

Email: wefinance27@gmail.com

We aim to respond to all enquiries promptly during business hours.