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).


  • Two (2) valid government-issued IDs (Passport, Driver’s Licence, or Voter’s I.D.)
  • Proof of Income – Job Letter and a recent payslip (no more than 3 months old)
  • Proof of Address – a recent utility bill (Electricity, Water, Telephone, or Cable bill no more than 3 months old)
  • New customer must be permanently employed for at least one (1) year
  • Self-employed Applicants Only – Six (6) months bank statement details (most recent) and business license.
  • Contact details of two references from current or previous employers

*Subject to credit approval. Credit Terms and conditions apply

Also apply for Ready Cash at these locations

  • Bay Road, Basseterre
    Tel: +1 (869) 466-1640
    Monday, Wednesday—Friday: 8AM—5PM
    Tuesday: 9AM—5PM
    Saturday: 8AM—4PM
    Sunday: CLOSED
  • Stoney Groove, Nevis, Rams Complex, St. Pauls
    Tel: +1 (869) 466-1640
    Monday, Wednesday—Friday: 8AM—5PM
    Tuesday: 9AM—5PM
    Saturday: 8AM—4PM
    Sunday: CLOSED

Frequently asked questions

Courts Ready Cash is an extension of Ready Finance. It is a part of your Ready Finance limit that may be used however you decide. Up to EC$13,500 can be used for personal use such as educational purposes, as well as purchase furniture, appliances, electronics, medical, education, home repairs, etc. .

Anyone can get a ready cash loan. New customers can qualify for up to $2,700. Existing customers in good credit standing can qualify for up to $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)
  • Must be permanently employed for over 2 years

New customers who can provide a salary deduction from a company approved by Courts can get up to EC$2,700 with a maximum repayment period of 12 months. Existing customers can access up to EC$13,500 with a maximum repayment period of 24 months.

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

Cash loans can be done at the Ready Cash store on Delisle Street, St. Kitts, and at the Courts store in Nevis.

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

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Use your Courts Ready Finance at any of our locations