Practical loan options for the responsibilities and plans ahead. Eligible members can apply for up to TT$150,000 at a promotional rate of 9.5%.
Wrapped Up and Ready Loan
Wrap up what’s left. Get ready for what’s next.
Wrapped Up and Ready
The months ahead can feel more manageable when you are prepared. The Wrapped Up and Ready Loan offers six amount-led options for eligible RHAND members, with terms of up to 96 months. Whether you are addressing a home or family need, preparing for education, supporting a business purchase or moving an important plan forward, you can explore the option that best fits your need.
Promotional rate
9.5%
p.a.
Subject to normal lending criteria
Choose the tier that fits you
Every tier works the same way: two-thirds in hand, one-third saved in your share account.
See all tiers at a glance
| Tier | Loan amount | Term | In hand | In shares |
|---|---|---|---|---|
| Ready 15 | TT$15,000 | 18 months | TT$10,000 | TT$5,000 |
| Ready 30 | TT$30,000 | 24 months | TT$20,000 | TT$10,000 |
| Ready 45 | TT$45,000 | 36 months | TT$30,000 | TT$15,000 |
| Ready 60 | TT$60,000 | 60 months | TT$40,000 | TT$20,000 |
| Ready 90 | TT$90,000 | 72 months | TT$60,000 | TT$30,000 |
| Ready 150 | TT$150,000 | 96 months | TT$100,000 | TT$50,000 |
How to apply
Explore your options
Explore the loan options and review the amount held in shares and the amount in hand.
Apply online or speak to us
Apply here or speak with a Loans Officer.
Submit your documents
Submit the documents requested by RHAND. Final eligibility and the approved amount are determined through the normal lending process.
Take the next step
Subject to normal lending criteria. New loans only. Salary assignment is preferred. Eligibility is based on share savings. Retirees are subject to applicable lending guidelines. *Promotion approved by the NLCB.
