About us

No Down payment, No Collateral, No Problem.

Our mission is to simplify the process of borrowing for a wide range of consumer purposes by taking the hassle out of getting a loan.
Our unique business model for unsecured loans is captured in our tagline.

What Makes Us Different

Unsecured Lending

We provide financing without collateral (security). With other lenders, in most cases you must have some type of asset in order to get funding. With Island Finance, you do not pledge any assets to obtain the loan. Your assets such as savings accounts, cars and / or property remain free for your use (unencumbered) while you receive the benefit of the funds you borrow from us.

Customer Relationship

With other financial institutions, most times you need to have an established relationship with the bank or company before you can obtain a loan from them. You may need to have deposit accounts, shares or conducted other previous business to make your borrowing easy. But at Island Finance, we do not require a long, previous relationship.

Minimal Documents

The documents we require are very basic and easy for anyone to obtain. In short, all you need to do is identify yourself and show that you are employed. No complicated legal documents, no legal fees, no deeds, no mortgages, no running around.

Very Quick Turnaround

If your documents are in order, you can get a loan on the same day you apply; it could take just a few hours.
Also there are no penalties for paying the loan off faster than the agreed upon term. You can reduce interest and still pay no penalty.