Republic Bank Guyana review

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

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Our verdict

Republic Bank Guyana suits borrowers in Guyana who want one long standing bank to cover personal, car, debt consolidation, secured and home purchase lending.

Key facts

Best for
A single Guyana bank for personal, car, debt consolidation, secured loans and home purchase mortgages.
APR
5% to 15% (Source, checked September 26, 2026)
Loan amount
GYD 15,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Arrangement fee
1% of loan amount, min GYD 6,000, max GYD 55,000 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Salaried or self-employed applicants in Guyana with evidence of fixed monthly income; ID, job letter, two recent payslips, TIN certificate and proof of address required (Source, checked September 26, 2026)
Origination fee (%)
1% (Source, checked September 26, 2026)
Loan types
Personal, Car, Debt-consolidation, Secured (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Republic Bank (Guyana) Limited (Source, checked September 26, 2026)
Headquarters
Guyana (Source, checked September 26, 2026)
Founded
1836 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
republicguyana.com

Mortgages

Initial rate
3.5% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Maximum loan to value
95% (Source, checked September 26, 2026)
Product fee
GYD 4,500 (Source, checked September 26, 2026)
Purpose
Purchase, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Republic Bank (Guyana) Limited (Source, checked September 26, 2026)
Headquarters
Guyana (Source, checked September 26, 2026)
Founded
1836 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Direct lender across personal, car, debt consolidation and secured lending, with home improvement named as a use case
  • An APR of 5% to 15% on retail loans compares with a site median of 12%
  • Low cost mortgages start at an initial rate of 3.5%, fixed for 20
  • A long history, founded in 1836, with support by phone, email and a help centre

Cons

  • The origination fee of 1% of loan amount, min GYD 6,000, max GYD 55,000 adds to the cost of every retail loan
  • Lending starts from a single market in Guyana, with the legal entity Republic Bank (Guyana) Limited
  • Fixed rate mortgages reach a maximum loan to value of 95%, above the site median of 90%

Ready to try Republic Bank Guyana?

Scored 9.4 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers consolidating existing debts, or funding car and home improvement needs
  • Home buyers and first-time buyers looking for a low cost mortgage

Who should look elsewhere

  • Anyone outside Guyana, since lending sits in a single market
  • Borrowers wanting a fee free loan, because retail fees are set at 1% of loan amount, min GYD 6,000, max GYD 55,000
  • Readers after a longer mortgage term, as the fixed period here is 20

Who runs it

Republic Bank (Guyana) Limited, trading as Republic Bank Guyana, is a direct lender based in Guyana, founded in 1836. It lends in a single market rather than through a broker or marketplace, which keeps the decision with the bank itself. Personal, car, debt consolidation and secured loans sit under retail lending, and low cost mortgages cover purchase and first-time buyers. Applicants deal with Republic Bank (Guyana) Limited throughout, and support runs on phone, email and help centre.

How Republic Bank Guyana compares

Where Republic Bank Guyana is available

Available
Guyana

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

Frequently asked questions

What rate do personal loans from Republic Bank Guyana charge?+

Retail loans are priced at an APR of 5% to 15%, set against a site median of 12%. The lender is direct, so the rate comes from the bank rather than a broker or marketplace. Home purchase mortgages start lower, at an initial rate of 3.5%.

What fees are charged on a loan?+

Retail loans carry an origination fee of 1% of loan amount, min GYD 6,000, max GYD 55,000, which is a percentage of the amount borrowed with a floor and a cap. Low cost mortgages instead show a product fee of GYD 4,500. Plan for the origination fee when comparing total repayment cost.

How much can I borrow and over what term?+

Loans reach GYD 15,000, and a term of 60 is available. That sits inside the site's term range, where the median is 36 and the upper quartile is 60. Secured and car loans are offered alongside personal lending.

What kinds of loan are available?+

Loan types include personal, car, debt consolidation and secured loans, with home improvement named as a use case. For property, the mortgage side covers purchase and first-time buyers, with a maximum loan to value of 95%.

How is the mortgage priced?+

The low cost mortgage starts at an initial rate of 3.5% and stays fixed for 20. A product fee of GYD 4,500 applies on top. The fixed period is a decent length next to the site median of 6.5.

Who do I contact about an application?+

Support runs on phone, email and help centre, so phone, email and the help centre all cover questions about an application. The bank is registered in Guyana under Republic Bank (Guyana) Limited, which is the name to quote when you make contact.

How long has the bank been lending?+

Republic Bank Guyana was founded in 1836 and operates from GY. A long operating history in a single market is useful context, though the published figures cover only what the bank lends in Guyana itself.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time, Representative example.

Republic Bank Guyana

A single Guyana bank for personal, car, debt consolidation, secured loans and home purchase mortgages.

9.4/10See alternatives

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