What is your interest rate?
We invite you to have have a conversation with one of our Loan Officers. We have monthly Special and offers.
How long do you need to be employed to get a loan?
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Personal Loans are available to employees of private and public sector companies who have been permanently employed for at least six (6) months
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Businesses must be in operation for at least one (1) year
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However if you do not fit the criterias above, please have a conversation with one of our Loan Officer and we will discuss your options.
How long does it take to get the loan?
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Personal Loans can be disbursed within 24 hours of a completed loan application process*
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Business Loans can be disbursed within 3 days of a completed loan application process*
(*conditions apply)
Will you reject my application if I don't meet all the criteria?
We access your application carefully against the loan product that you have applied for. If you do not meet those criterias, we match your application to another one of our loan product so we are able to make you a loan offer.
If I am offered a secured loan, what percentage of the asset will I get to borrow?
If an applicant does not qualify for an unsecured loan, we will offer a secured loan to give you the best opportunity to access the money you need. Our standard lending ratio is 25% of the value of the asset.
If I am not satisfied with the service I have received, what can l do?
We aim to provide the best customer service and experience. If for any reason you are not satisfied, please drop us an email by clicking here.
If I don't live in Kingston can I apply for a loan?
Yes we offer loans island wide. Please download and complete our application form and email it to us with the other required documents and one of our Loan Officers will work with you to complete your application.
Where are we located and what are our opening times?
We are located at 22 Regal Plaza, Ripon Road, Kingston 5, Jamaica. (We are in Cross Roads, on the same plaza as Azan Supercentre, just above ICWI)
Our opening hours are
Monday to Friday 9am to 5pm

Our Core Service Values
Collaboration
We work together to develop our team and best serve our customers
Respect
It does not matter who you are or where you are from, we strongly believe in respect for everyone
Customer Care
We care about our customers and stand by giving service with a smile
Integrity
We believe in always doing the right thing, even when no one is watching
How To Apply
Applying is simple! Just follow the steps below:
📥 Download & Complete the Application Form. Click the link below to download our fillable application form. Open the form using a PDF reader. Fill out all sections of the form.
Submit Your Supporting Documents
You can send your required documents via:
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Email: creditinfo@aspedeloanja.com
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Phone/WhatsApp: 876-727-1331 or 876-501-7723
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Visit our office at 22 Regal Plaza, Kingston 5, Jamaica
💻 Apply Online
Prefer to apply digitally?
Scroll down and click the “Apply Here” tab at the bottom of this page. Fill in the required information and a member of our team will contact you shortly.
👥 Applying with a Guarantor?
If your application includes a guarantor, please download and have them complete the Application Form.
Our Commitment to You
At Aspede Loans, we’re dedicated to providing the best customer experience. If you’re ever unhappy with how your application was handled, please contact us directly. We promise to:
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Treat you with respect
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Handle your application in a fair and transparent way
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Clearly explain any decisions made
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Protect your privacy and personal information
CONTACT
US
Tel. 876 727-1331
or 876 501-7723
creditinfo@aspedeloanja.com
@aspedeloans
Visit our Office:
Aspede Micro Loan Company Limited
Address: 22 Regal Plaza, Ripon Road, Kingston 5, Jamaica
(We are in Cross Road, on the same plaza as Azan Supercentre)
Monday - Friday 9am - 5pm
lOYALTY rEWARD

Join the Aspede Referral Scheme Today
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Tell a friend to tell a friend about Aspede Loans
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When their loan is successfully disbursed...
💰 You receive a $2,000 cashback!
There’s no limit to how many people you can refer, so the more you share, the more you earn!