Fast. Affordable. Convenient. Transparent.

It’s a FACT — sometimes, we find ourselves in need of a little help to get us through tough times. Whether that’s personal emergencies, urgent bill payments or even for educational or personal purposes we understand that time is not always on your side. That’s why Courts gives you fast access to easy unsecured Cash Loans.



Apply online and get approval within one (1) business day



Enjoy an affordable interest rate per month



 Online application process makes the service available 24h a day



Know exactly how much interest you will pay each month


How do I apply?

To get started, answer the following easy online questionnaire and upload the required documents (which should take no more than 5 minutes to complete).


  • A valid I.D. - National I.D., Drivers Permit or Passport
  • Proof of Income - Job letter and recent pay slip
  • Proof of Address - Recent utility bill (electricity, water, telephone or cable bill, no more than 3 months old)

*Subject to credit approval. Credit Terms and conditions apply

Also apply for Ready Cash at these locations

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

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.

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

Contact us

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Use your Courts Ready Finance at any of our locations