Legal

Policies & disclosures

These policies govern lending by Denarius Loan Solution Ltd. and the use of the DLS platform.

Documents

Our terms in plain language

Loans range from JMD $5,000 to JMD $100,000 with repayment terms of 14, 30, 45 or 60 days.
Interest is charged as a flat 40% of the loan amount for the agreed term and is disclosed in full on your loan agreement before signing.
A processing fee of 5% of the loan amount is payable before disbursement and is non-refundable once the loan is disbursed.
If a loan is unpaid after the agreed repayment date, a late payment fee of 10% of the outstanding balance applies for each week the loan remains overdue.

All loans are collateral-based. Collateral must exceed the value of the loan and must be owned by the applicant.
Accepted collateral includes electronics, motor vehicles, jewelry, equipment and approved property. Household furniture is not accepted.
Collateral is valued by a DLS officer and the approved loan amount is limited by the loan-to-value percentage applicable to that collateral type.
Collateral may be recovered in accordance with the signed loan agreement and applicable Jamaican law if a loan remains in default.

Applicants must be 18 years or older and resident in Jamaica.
Required documents: government-issued ID, TRN, proof of address, employment verification and the six most recent payslips.
Applications missing required documentation will not be processed until the documents are supplied.
All applications are manually reviewed. Submission of an application is not an offer or guarantee of credit.

We collect personal, employment, financial and collateral information solely to assess and administer your loan.
Documents you upload are stored in private, access-controlled storage and are visible only to you and authorised DLS staff.
We do not sell your personal information. Information may be disclosed where required by law or to enforce a loan agreement.
To request access to or correction of your information, email denariusloansolution@gmail.com.

The DLS Financial Score (0–1000) is an internal customer-behaviour score created and maintained by DLS.
It is not a credit-bureau score, not an official credit report, and is not shared with third parties as a credit rating.
Scores and borrower levels influence internal review priority and eligible amounts but do not guarantee approval or specific terms.

We assess affordability using the 5 Cs of lending: Character, Capacity, Capital, Collateral and Conditions.
We encourage customers to borrow only what they can comfortably repay by the agreed date.
If you anticipate difficulty repaying, contact us before your due date so we can discuss available options.

Last updated August 2026. These disclosures summarise our standard terms; your signed loan agreement is the governing document for your loan.