C&WJ (Communications & Other Workers of Jamaica) Co-operative Credit Union Ltd. back to school loan; members, if you can arrange a salary deduction for the loan repayment, then your are eligible for a back to school loan. Highlights:

• Borrow up to J$200,000 (per member)
• Use your back to school loan to pay school fees and purchase books
• No collateral required (unsecured loan facility)
• Get up to 12 months to repay
• Attractive interest rate
• Simply take your invoices to any one of the ten branches of the credit union and apply for the back to school loan
• * Conditions apply

For more information, please call 936-3800

Back to school never felt so good!
GSB Educator Supreme Loan
Low interest rate – 13.49% – on reducing balance

• Borrow up to $300,000* (secured) with 12 months to repay
• No committment fee
• Share requirement (only 5% of loan amount)
• Available from August 17 – September 17, 2010

For more information, please visit your nearest GSB credit union branch or call 1-888-225-5472.

Attaining a good education is very important, however it can be expensive. The Edu Path Loan Advance will help you get the desired level of education you seek for you or your children in a cost effective manner. The Edu Path Loan can be used for any level of school financing.

Come in and experience:
- Reduced interest rates
- Hassle free loans
- Flexible payment plans

Who is the Edu Path Loan Advance for?
- Parents and Guardians whose child is attending school
- Employed individuals who are financing their own education

Purpose of Edu Path Loan Advance:
- Tuition fees and extra classes
- Payment of examination and school fees
- Purchasing of school books and other materials

Contact:
Kris An Charles Investments Ltd.
6 Eureka Crescent, Kingston 5
Tel: 926-0609 or 618-1252
Email: info@krisancharles.com

The service will be offered under the personal loan service “Payroll Express”, with a special reduced interest rate and a maximum loan ceiling of J$350,000 (conditions apply) repayable over 2 years.

The service will be offered to employed and self-employed interested parents / guardians / clients. Prospective borrowers will need to meet the Payroll Express requirements – both categories of applicant must present the relevant education continuation document(s) i.e. voucher or acceptance letter to the educational institution.

Persons interested in learning more about Access Financial Services Ltd. and its loan products are encouraged to call 929-9253, or visit one of the company’s branches islandwide.

- This item was featured yesterday (September 3), in the Gleaner’s ‘Last Minute Back To School Feature’

However, as a credit union member, you were mindful of this pending event, so perhaps you had been skimping and saving some money, but you did not dream that the cost of educating your child would be so expensive. So, now you are wondering where to turn.

Well, you can turn to your credit union. Your credit union knows your needs. That is why they will lend you money to educate your child. But, you have to take the necessary steps.

Steps to borrowing from your credit union

Find a credit union representative who is easy to talk to. Loan officers will typically spend the time not only to take you through the steps involved in borrowing, but they will give you the necessary advice about the amount of money you need, what you need to secure the loan, and the repayment plan.

At your credit union, you will be treated with care and understanding, and you can come away feeling assured that your child will receive a good education because you can now afford to pay for it.

If your child is under 15 years of age, and not yet ready for university, you probably need to start saving now on their behalf, or teach them how to save – by opening an account for them. When the time comes, you can withdraw the savings or use it to secure education loans.

Remember also, that help is available for children who are already attending university. Don’t get caught off guard. Plan! But if you did not plan, your credit union can help you to get over this hurdle. Contact your credit union today.

Having trouble again this year with back to school expenses?
Why worry when the answer is right before you!!!!!
Visit Kris An Charles Investments Ltd. and let your back to school experience be an enjoyable one.

We have the right loan solutions at very competitive rates for:

• School fee or tuition fee
• Examination fee
• School books and other school related expenses

Come and experience Back To School Loan Madness and let us transform your frowns to SMILES.

<Conditions Apply>

To contact Kris An Charles Investments, telephone – 926-0609.

• You get more time to repay your back-to-school loan at the JTA Co-operative Credit Union
• Get your loan now and get 18 months to repay
• You also get – lower monthly payments; low interest rate

Note: Conditions apply.

For more information, contact their head office by calling 876-922-2009 or by sending an email to ltaylor@jtacreditunion.com

Their ad states:

“We’ll finance your child’s tuition to a prep school at an affordable cost“.

Get approved now! No re-payment due until September!

For more information, you may contact them at:
46 Trinidad Terrace, Kingston 5
Tel: 876-754-4787
Email: fcif@fedcapja.com

It’s time for your special back-to-school quickloan to ease the immediate burden of school expenses!
(Be sure to carry your school vouchers, booklist, ID etc.)

Niche Financing Ltd. is located at 96 Constant Spring Road, Kingston 10
Tel. (876) 969-7008 or 876-469-1188
Email – nichefinancing@cwjamaica.com

Access our special education loan to help you with all your back to school expenses.

• 2% reduction in interest rates
• 2 months moratorium
• Faster processing time
• Very low processing fees
• Competitive interest rates
• Flexible repayment period

The also offer other loans – home improvement, business, motor vehicle and personal.

Contact the Hanover Co-operative Credit Union at:
Suite #14, Hano Plaza
Lucea, Hanover
Tel: 952-2357
Email: haccul@yahoo.com