Gateway Co-operative Credit Union review

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

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Our verdict

Gateway Co-operative Credit Union lends directly to members in Jamaica, which suits borrowers with steady employment who want personal, car and secured lending in one place. Personal loans reach JMD 2,500,000 over 60, and home loans can run for 30 with borrowing of 95% of the property.

Key facts

Best for
Members with steady work who want one lender for personal, secured, credit line and home lending.
Loan amount
JMD 2,500,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Members with at least one year of continuous employment; valid National ID, TRN, proof of address, proof of bond and membership fee (Source, checked September 26, 2026)
Loan types
Personal, Car, Secured, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Infiniti Co-operative Credit Union Jamaica Limited (Source, checked September 26, 2026)
Headquarters
Jamaica (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
gatewayja.com

Mortgages

Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
95% (Source, checked September 26, 2026)
Purpose
Purchase, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Infiniti Co-operative Credit Union Jamaica Limited (Source, checked September 26, 2026)
Headquarters
Jamaica (Source, checked September 26, 2026)
Founded
2017 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • It is a direct lender (direct lender), so the application and the decision sit with one organisation.
  • The book covers personal, car and secured, and the credit line (credit line) keeps a revolving option open alongside the instalment loans.
  • Home loans can run for 30 fixed, with borrowing of 95% available against the property.
  • Help is available through email, phone and help centre.

Cons

  • The credit check is a hard search (hard) and the credit bar is good (good), so a thin file can be turned down.
  • Membership comes first, with a minimum period of continuous employment and proof of bond, so non-members must join before applying.
  • Support runs on email, phone and help centre only, so there is no branch counter or live chat.
Gateway Co-operative Credit Union

Ready to try Gateway Co-operative Credit Union?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Members in Jamaica with a minimum period of continuous employment who can show a valid National ID, TRN, proof of address and proof of bond.
  • People buying a home or borrowing against one, with borrowing of 95% available and a fixed period of 30.
  • Borrowers who want a revolving line (credit line) from the same lender that handles their instalment loans.

Who should look elsewhere

  • Anyone after a small top-up: Cashspace ES lends €100 to €5,000, a much smaller range.
  • Borrowers wanting a flexible line in another market: Monzo Flex offers £10,000 to £35,000.
  • Applicants with an unproven credit file, given the hard credit search and the good credit bar.

How Gateway Co-operative Credit Union compares

Where Gateway Co-operative Credit Union is available

Available
Jamaica

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

Frequently asked questions

What credit check do I need to pass?+

Applications use a hard credit search (hard), so the check stays visible to other lenders. The credit you need is rated good (good), which members with a steady payslip usually clear, and tighter for anyone rebuilding after a rough patch. Check your file before applying to avoid a wasted search.

Who can apply for a loan?+

You need to be a member already, with a minimum period of continuous employment, a valid National ID and TRN, proof of address, proof of bond and the membership fee. As a direct lender (direct lender), this credit union assesses members itself rather than passing the file to a broker.

How much can I borrow?+

The unsecured personal loan is capped at JMD 2,500,000. Borrowing against a home is sized by the property instead, with 95% available on a mortgage or home equity loan. Those two limits are separate, so check which one matches the sum you need before applying.

How long do I have to repay?+

The personal loan term runs to 60. Home lending is written for far longer, a fixed period of 30, because the property secures the balance. That spread suits anyone who wants the same lender on a short personal loan and a long mortgage.

What kinds of loan are on offer?+

The catalogue covers personal, car, secured and credit line lending (personal, car and secured), all arranged by the same credit union acting as a direct lender (direct lender). The credit line (credit line) sits alongside the instalment products, so a revolving facility can hold a place next to a fixed loan.

Can I borrow against my home?+

Lending is available for a home purchase and for home equity (purchase and home equity), with borrowing of 95% against the property's value. A higher loan to value means less of your own money goes into the purchase and more of the home is tied up as security.

How do I get help with an application?+

Support runs on email, phone and help centre, so you can reach the credit union by phone, by email or through its help centre. Those are the routes for questions about eligibility, the bond requirement or repayment terms, and for sorting out a revolving balance.

Where does the credit union operate?+

It is a Jamaican credit union, based in Jamaica and trading as Infiniti Co-operative Credit Union Jamaica Limited, formed in 2017. Lending runs in Jamaican dollars and membership comes first, so it fits borrowers who already hold a local account and a bond.

Sources

  • infiniticuja.com/2025-merger checked September 26, 2026

    Backs: Founded, Headquarters

    “Gateway was born from an amalgamation of the Hanover and Montego Credit Unions on January 3, 2017”

  • infiniticuja.com/faqs checked September 26, 2026

    Backs: Support channels

    “You may contact us via telephone at 876-926-6973 or via email at info@infiniticuja.com”

  • infiniticuja.com/membership-requirements checked September 26, 2026

    Backs: Eligibility

    “Valid National ID, Tax Registration Number (TRN), Proof of Address, Proof of Bond”

  • infiniticuja.com/product/home-equity-loan checked September 26, 2026

    Backs: Maximum loan to value

    “The Credit Union will lend a maximum of 95% of the Market Value.”

  • infiniticuja.com/product/mortgage-loan checked September 26, 2026

    Backs: Fixed period, Purpose

    “Maximum Loan Terms 30 Years”

  • infiniticuja.com/product/unsecured-loan checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Features, Lender type, Loan types, Term

    “access up to $2.5 million”

  • infiniticuja.com/who-we-are checked September 26, 2026

    Backs: Legal entity

    “Infiniti Co-operative Credit Union Jamaica Limited is a member-focused financial service provider”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Funding time, Representative example.

Gateway Co-operative Credit Union

Gateway Co-operative Credit Union

Members with steady work who want one lender for personal, secured, credit line and home lending.

9.1/10See alternatives

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