Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

ISP Finance Services review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

ISP Finance Services suits borrowers who need a payday loan paid out fast and can back it with a guarantor or vehicle. Funding is same day or within Same day or within 24-36 hours, conditions apply, but credit checks are hard and the term stops at up to 12, so it is a short bridge.

Key facts

Best for
Borrowers with steady income who can clear a short loan quickly and hold a guarantor or vehicle as security.
Term
up to 12 months↗
Credit check
Hard↗
Funding time
Same day or within 24-36 hours, conditions apply↗
Lender type
Direct lender↗
Eligibility
Employed a minimum of 6 months to a year and off probation; last three payslips, valid ID, TRN and proof of address; guarantor or vehicle collateral accepted↗
Loan types
Personal, Payday, Debt-consolidation, Secured, Business, Guarantor, Bridging↗
Use cases
Home-improvement↗
Legal entity
ISP Finance Services Ltd↗
Headquarters
Jamaica↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Same-day funding
Official website
ispfinanceservices.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
facebook.com

Pros and cons

Pros

  • Direct lender, so you deal with ISP Finance Services rather than a broker
  • Same day or within Same day or within 24-36 hours, conditions apply once conditions are met
  • A wide spread of loan types, from personal, payday and debt consolidation
  • Support runs through email, chat and phone

Cons

  • Repayment tops out at up to 12, so a larger bill is squeezed into a short window
  • Credit checks are hard, and a guarantor or vehicle collateral is the alternative route
ISP Finance Services

Ready to try ISP Finance Services?

Scored 9.5 / 10 by SumCue.

See alternatives

Who it suits

  • Employed borrowers who are off probation and can supply recent payslips, ID, a tax reference and proof of address
  • Anyone whose savings have gone into home improvement
  • Borrowers with a guarantor or vehicle willing to back the loan

Who should look elsewhere

  • Anyone wanting a long fixed loan, since the term stops at up to 12
  • Applicants who cannot pass a hard credit check or provide a guarantor or vehicle
  • Readers wanting a soft prequalification check rather than a full search, such as Creduma ES

Who runs it

ISP Finance Services trades as ISP Finance Services Ltd and is based in Jamaica. It lends directly rather than acting as a broker, so applications, decisions and repayments all run through the one provider. Questions are handled through email, chat and phone, which covers phone and chat alongside email and a help centre.

How ISP Finance Services compares

Where ISP Finance Services is available

Available
Jamaica

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How fast does ISP Finance Services pay out?+

Funding is same day or within Same day or within 24-36 hours, conditions apply, subject to conditions being met. That speed suits someone who has a payment date that cannot move. The lender lists same day funding among its same day funding.

How long do I have to repay?+

The longest term is up to 12, which makes the product a short bridge for a bill or an emergency rather than a longer personal loan. Borrowers who want years rather than months to clear the balance should compare longer terms elsewhere.

What kind of credit check will I face?+

Credit checks are hard, which means a full search is recorded on your file. Applicants who would rather see an estimate first may prefer a lender offering a soft prequalification check instead, and can weigh those options before applying anywhere.

Who can apply?+

You need to be employed a minimum period, off probation, and able to provide recent payslips, valid ID, a tax reference and proof of address. Applicants who cannot meet that may not get an offer.

Can I back the loan with something other than my income?+

A guarantor or vehicle collateral is accepted, which widens the door for borrowers whose earnings alone look thin. Those routes often change the price and the term offered, so read what the lender sets for a secured or guarantor application before you sign.

What kinds of loan are on offer?+

The lender covers personal, payday and debt consolidation, with home improvement the main use. A direct lender like this handles the application end to end rather than passing it to a third party, which keeps the decision and the servicing in one place.

How do I get hold of someone?+

Support runs on email, chat and phone, so phone, chat, email and a help centre are all available. Loan servicing questions sit with the same lender, which keeps contact in one place for the life of the loan.

Sources

  • ispfinanceservices.com checked September 26, 2026

    Backs: Use cases

    “Home Repairs”

  • ispfinanceservices.com/faqs checked September 26, 2026

    Backs: Eligibility, Features, Funding time, Lender type, Loan types, Term

    “Customers need to be employed for a minimum of 6 months to a year and must be off probation.”

  • ispfinanceservices.com/get-in-touch checked September 26, 2026

    Backs: Headquarters, Support channels

    “17 Phoenix Avenue, Kingston 10, Jamaica”

  • ispfinanceservices.com/terms-of-use checked September 26, 2026

    Backs: Credit check, Legal entity

    “Approval is subject to verification, credit checks, and regulatory compliance.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Loan amount, Arrangement fee, Representative example.

ISP Finance Services

ISP Finance Services

Borrowers with steady income who can clear a short loan quickly and hold a guarantor or vehicle as security.

9.5/10See alternatives