You have up to 30 months to shop with us and can make one or as many purchases as you like during that period using your approved ATL Credit Limit.

ATL Credit can be used to finance one or multiple purchases with a total of as low as 15,000 JMD.  Our credit team will ensure your payment terms best suit your means and needs. 

Yes! Simply fill out our application form at: www.atljamaica.com/loan_application.php click submit and your Preliminary Credit Limit will appear. Our ATL Credit team will contact you within three (3) business days to finalize your application including the submission of any additional required documentation to support your application (see required documentation at Question 2) and then confirm with you the result of your application. As soon as your Final Credit Limit has been approved and confirmed with you by our team, you can make one or as many purchases as you like using your approved limit.

Yes! Using your ATL Credit is easy and convenient as we offer flexible payment terms starting from as little as 3 months up to 36 months to pay. Our credit team will ensure your payment terms best suit your means and needs.

Applying for ATL Credit is easy as we have four (4) convenient ways for you to submit your application.

You can apply:

1.      On our website at: www.atljamaica.com/loan_application.php

2.      Via Email hirepurchase@atljamaica.com

3.      At any of our branches at:

✓  35 Half Way Tree Rd., Kingston

✓  Manor Park Plaza, Kingston

✓   7 Newlin Street, Ocho Rios, St. Ann

✓ ATL Bogue Center, Montego Bay, St. James

4.      Via Fax (876-968-9708)

Required documentation includes:

✓  National Photo Identification (Driver’s License, National ID, Passport, Voter’s ID)

✓  TRN Card

✓  Proof of Permanent Home Address by way of Utility Bill i.e. JPS, NWC, Telephone, Flow Cable/Internet, Mortgage/Rent Receipt

✓  Proof of Income:

o   Two recent pay slips or job letter (must be employed at least 6 months)

OR

o   Proven source of income for self-employed applicants (last three months of company bank statement)

Once your application and all of the required supporting documentation are submitted to us through our website, in-store, via email or fax, our ATL Credit team will review, process your application and contact you within three (3) business days with the result of your application.

We recognize that our customers like the flexibility of having multiple payment options so we have provided you with easy and convenient payment methods.

We accept in store:

·        Cash

·        All major credit cards including Keycard, Mastercard, Visa and American Express

·        Cheques (Conditions apply, please contact us for details)

We also accept payments at:

·        CIBC First Caribbean Internet Banking (https://internetbanking.firstcaribbeanbank.com/)

·        Direct Banking Deposit (Please contact us for our banking details)

After you have submitted your application, our ATL Credit team will review  it and contact you with your results.  Once approved, you can use your  credit limit to make one or multiple purchases across all of our divisions (ATL Home, ATL Business Solutions, ATL Industrial and ATL Energy Solutions) and at all of our ATL locations in Kingston, Ocho Rios and Montego Bay.

ATL Credit is open to Jamaican applicants only between 18 - 65 years and is valid for in-store use only.  

Once your application and all of the required supporting documentation are submitted to us through our website, in-store or via email or fax, our ATL Credit team will review, process your application and contact you within three (3) business days with the result of your application. 

You should be at least 18 years old and under 65 years of age and be able to submit to us:

1.      Proof of your permanent home address including one (1) utility bill not more than two months old (does not have to be in your name). We accept:

✓ JPS Bill

✓  NWC Bill

✓  Landline Telephone Bill

✓  Rent/Mortgage Receipt

✓  FLOW Cable/Internet Bill

Please note that P.O. Box Addresses are not accepted.

Proof of your income

✓  Two (2) pay slips OR a Job Letter as proof of permanent employment (you should be at least 6 months employed)

✓  Proven Source of Income for Self-employed (last three months of Company Bank Statement)

A valid GOJ issued picture ID and TRN

✓  Passport, Driver’s License (with TRN), Voter’s/National ID

✓  TRN Card

The Contact information of two (2) references

✓  One (1) friend known to you for at least five (5) years and one (1)  family member not living with you