Process
From application to disbursement
Everything happens in one secure app — documents, collateral, agreement and repayments.
How to apply
Six simple steps to your loan
A streamlined process built for speed, security, and clarity.
- 01
Complete the application
Create your DLS account and complete the secure multi-step loan application from your phone.
- 02
Upload required documents
Government ID, TRN, proof of address, employment verification and your last 6 payslips.
- 03
Collateral assessment
Every loan requires acceptable collateral exceeding the loan value — electronics, motor vehicles, jewelry, equipment or other approved valuables. Household furniture is not accepted.
- 04
Review & sign agreement
Review all loan terms and conditions and electronically sign your digital loan agreement before approval.
- 05
Pay the processing fee
Pay the 5% processing fee before loan funds are disbursed and upload your payment confirmation.
- 06
Receive your loan
Once the agreement is signed, collateral verified and processing fee received, an authorised officer records the disbursement.
Every application stays in pending review until a Denarius officer manually reviews it. You will always be told what stage your application is at and what is required from you next.
Collateral accepted
Asset-backed lending with clear valuation
Your maximum loan is based on a configurable loan-to-value percentage for the type of collateral you pledge.
60%
vehicle
Maximum loan-to-value
40%
electronics
Maximum loan-to-value
50%
jewelry
Maximum loan-to-value
70%
property
Maximum loan-to-value
30%
other
Maximum loan-to-value
Example: collateral valued at JMD $200,000 pledged as a motor vehicle supports a maximum loan of JMD $120,000 at 60% loan-to-value, subject to inspection and approval. Household furniture is not accepted.
Loan information
Transparent terms, no surprises
Every fee disclosed up front so you know the full cost before you apply.
Loan amount
Minimum JMD $5,000
Maximum JMD $100,000
Interest rate
40%
Flat interest on loan amount
Processing fee
5%
Paid before disbursement
Late payment fee
10%
Per week if unpaid after the agreed repayment date