Flexible Financial Solutions for Tobago
Borrow with confidence
Whether you are buying a vehicle, investing in education, renovating your home, or planning a vacation, we have a loan built to help you get there. Competitive rates, flexible repayment, and friendly, personal service. Browse the options below and apply online today.
Simple & Transparent
Our Loan Products
Designed with competitive terms to match your life’s milestones and everyday plans.
Competitive Rates
Vehicle Loan
Finance a new or used vehicle with affordable repayments and flexible terms.
Future-focused
Education Loan
Invest in your future with financing for tuition, books, and educational expenses.
Special 4.5% Rate
Vacation Loan from 4.5%
Make your dream holiday real with financing for travel, cruises, and family trips.
Flexible Terms
Home Renovation Loan
From a small refresh to a major improvement, create a more comfortable, valuable home.
Onboarding Journey
Select the loan that best suits your needs
Our application workflow is built to respect your time. Here’s exactly how it works.
01
Complete Application Online
Fill out the intuitive secure form in a few short steps.
02
Submit Documents
Provide your ID and basic supporting documents securely.
03
Expert Review
Our loans team will contact you to refine and verify details.
04
Fast Disbursement
Receive approved funds directly into your account.
Before you apply, please have the following documents ready:
Two (2) valid photo IDs, a recent job letter (no older than 1 month old), recent payslips, proof of income, and any relevant supplier quotations or invoices.
Secure Application Portal
Start your loan request online
Safe, encrypted, and processed locally by Whim Credit Union specialists.
Step 1: Get started
- First Name *
- Last Name *
- Phone Number *
- Email Address *
- Loan Type (Selected) *
- Amount Requested (TTD) *
Step 2: About You
- Place of Employment
- Monthly Net Income
- Purpose of Loan Detail
Step 3: Your Budget
- Monthly Expenses (Rent, Food, Utilities, Maintenance)
- Other Loans, Credit Cards, Hire Purchase Commitments
Note: This helps us match you to a comfortable repayment.
Step 4: Documents Upload
- Scan of Two (2) Valid Photo IDs
- Signed Job Letter & Payslips
- Supplier Invoice or Quotation
Loan Calculator
Estimate your monthly repayment. Adjust the values below to see how different amounts and terms affect your payment.
Select Loan Type
Estimated Monthly Payment
TTD $3,187.06
Total Amount Repaid
TTD $191,223.60
Total Interest
TTD $41,223.60
Loan Amount
TTD $150,000.00
Annual Rate
10%
Term
5 years (60 months)
