Question 1

Is there a minimum or maximum on the loan amount?

Accepted Answer

There is no minimum or maximum loan amount for our Work & Travel financing. You can receive up to 100% coverage for program fees and plane fare, allowing you to fully fund your international work and travel experience.

Question 2

Can I apply before I gather all the supporting documents?

Accepted Answer

Yes, you can start your application before gathering all the supporting documents. However, please note that your application cannot be fully processed until all required documents are submitted. We recommend beginning the application process early so our team can assist you throughout and guide you in gathering the necessary documentation.

Question 3

Do I have to upload all of the required documents?

Accepted Answer

You might be exempted from uploading some of the required documents based on the Work & Travel Agency that you are registered with.

To find out if you are qualified to receive an exemption please contact us.

Question 4

When does repayment begin?

Accepted Answer

The start time for repayment is determined by the specific loan option you choose. To learn more about the repayment schedules and options available to you, please contact a representative today for detailed information and guidance.

Question 5

Is there a financial requirement for the Guarantor?

Accepted Answer

Yes, there are financial requirements for a guarantor. The guarantor must demonstrate financial stability and the ability to cover the loan if necessary. This typically includes providing evidence of income. For specific requirements and to discuss how a guarantor can support your application, please contact us.

Question 6

How many guarantors do I need?

Accepted Answer

You would only need one (1) Guarantor. However, we may request an additional guarantor depending on your application.

Question 7

How soon will I be approved the loan?

Accepted Answer

Once you submit your application and it meets our lending requirements, you will receive pre-approval within seconds.
Final approval is granted once all required documents are uploaded and the necessary fees are paid.

Our standard approval process typically takes 3–5 business days. However, processing times may be extended during periods of high customer volume.

This helps us ensure a smooth and secure disbursement process.

Question 8

How long does the processing time take if I select Flex Pay?

Accepted Answer

If you choose our Flex Pay option, please be aware that the final payment to your agency may take up to 30 days from the date of your initial payment. This is part of our standard processing timeline to ensure all steps are completed smoothly.

Question 9

How many guarantors am I eligible to have?

Accepted Answer

You are eligible to have multiple guarantors if needed. While only one guarantor is typically required, additional guarantors can be included to strengthen your application or meet specific financing criteria.

Question 10

How much is the processing fee and when is it required?

Accepted Answer

The processing fee is US$120.00 for all agencies. This fee is payable only if your application is approved and it is non-refundable.

Question 11

Do I need to come in office to process my loan application?

Accepted Answer

No, you do not need to visit the office in person to process your loan application. Most of the application process can be completed online or through remote consultations. If an in-office visit is necessary, our team will inform you of the requirements.

Question 12

Is the processing fee refundable?

Accepted Answer

No, the processing fee is non-refundable. It is payable only upon approval of your application and covers the costs associated with processing your loan request.

Question 13

What is the additional processing fee?

Accepted Answer

The additional processing fee allows clients to waive monthly payments until they start working, with repayment beginning in June. This option is particularly popular among clients as it provides flexibility in managing loan payments. The fee is paid upon loan approval and is separate from the standard processing fee.

Question 14

Is the additional processing fee refundable?

Accepted Answer

Yes, the additional processing fee is refundable depending on the client's final status in the program. If the client no longer participates in the program, the refundable amount will be determined based on the outstanding balance owed to Trublu. In some cases, clients may need to make an additional payment if deductions are made from the program fee by client's work and travel agency due to cancellation or embassy denial.

Question 15

What happens to the additional processing fee once I am approved to go on the program?

Accepted Answer

Once you are approved to go on the program, the additional processing fee will be deducted from your total repayment amount. This deduction will reduce your overall loan balance.

Question 16

How long have you been offering Work & Travel loans?

Accepted Answer

We have been offering Work & Travel loans for nearly 10 years, collaborating with some of the largest and most prominent agencies in Jamaica.

Question 17

How can I make repayments once overseas?

Accepted Answer

Once you arrive overseas, we will provide you with online repayment solutions before your first repayment deadline. To make online payments, you will need a VISA or Mastercard, which can be obtained upon opening a bank account.

Question 18

What are the consequences if I miss a loan payment?

Accepted Answer

Missing a loan payment can result in late fees, a negative impact on your credit score, and potential collection actions. It is important to contact us as soon as possible if you anticipate difficulties making a payment so we can work with you to find a solution.

Question 19

Can I apply for a loan if I have a low credit score?

Accepted Answer

While a low credit score may impact your loan application, it does not automatically disqualify you. We consider a range of factors in the evaluation process, and you may still be eligible for financing. Contact us to discuss your situation and explore potential options.

Question 20

What happens if I need to make changes to my application after submission?

Accepted Answer

If you need to make changes to your application after submission, contact us as soon as possible. We will guide you through the process of updating your application and ensure that all modifications are properly documented and considered.

Question 21

How do I check the status of my loan application?

Accepted Answer

You can check the status of your loan application by logging into our online portal or contacting our customer service team. We provide regular updates on your application’s progress to keep you informed.

Question 22

Is the loan amount disbursed to the client or the agency?

Accepted Answer

The loan amount will be disbursed directly to the agency upon approval. This ensures that the funds are used specifically for program-related expenses.

Question 23

How do I qualify for plane fare coverage?

Accepted Answer

You will automatically qualify for plane fare coverage upon receiving embassy approval. To complete the process, you will need to submit proof of embassy approval along with your travel information.

Question 24

Can I change the amount of financing after my application is approved?

Accepted Answer

Changes to the financing amount after approval may be possible depending on your circumstances. Contact us to discuss your needs and explore options for adjusting your financing if necessary.

Question 25

What should I do if I encounter issues with my financing application?

Accepted Answer

If you encounter any issues with your financing application, contact our customer service team immediately. We will assist you in resolving any problems and guide you through the next steps to ensure your application is processed smoothly.

Question 26

Are there any special requirements for self-employed individuals acting as Guarantors?

Accepted Answer

Self-employed individuals may need to provide additional documentation, such as proof of income. Contact us for specific requirements and to ensure you have all necessary documents for your application.

Question 27

How can I update my personal information if it changes during the application process?

Accepted Answer

If your personal information changes during the application process, inform us immediately. We will update your records accordingly to ensure that all information is accurate and up-to-date.

Question 28

What happens if my application is denied?

Accepted Answer

If your application is denied, we will provide you with a detailed explanation of the reasons for the denial. You may also discuss alternative financing options or reapply in the future once any issues have been addressed.

Question 29

Can I apply for financing if I my guarantor lives in another country?

Accepted Answer

No, your guarantor must be residing and working in Jamaica. This requirement ensures that the guarantor meets the necessary criteria for supporting your application within the local regulatory framework.

Question 30

How often can I check the status of my loan application?

Accepted Answer

You can check the status of your loan application at any time by logging into our online portal or contacting our customer service team. We provide regular updates to keep you informed about your application’s progress.

Question 31

What happens if I need to withdraw my application?

Accepted Answer

If you need to withdraw your application, notify us as soon as possible. We will guide you through the withdrawal process and address any potential implications related to your application or fees.

Question 32

Are there any options for deferring payments if I face financial difficulties?

Accepted Answer

Yes, we offer options for deferring payments in case of financial difficulties. Contact us to discuss your situation, and we will work with you to explore potential solutions and adjust your payment schedule as needed.

Question 33

Can I transfer my loan to another person if I am unable to fulfill the terms?

Accepted Answer

Transferring a loan to another person may be subject to approval and specific terms. Contact us to discuss your situation and explore possible options for transferring or adjusting the loan terms.

Question 34

What is the process for renewing or extending my loan?

Accepted Answer

To renew or extend your loan, contact us to discuss your current loan terms and needs. We will provide guidance on the renewal or extension process, including any additional documentation or requirements.

Question 35

How do I obtain a loan statement or proof of loan for tax purposes?

Accepted Answer

You can obtain a loan statement or proof of loan by contacting our customer service team. We will provide you with the necessary documentation for tax purposes or any other needs you may have.

Question 36

What happens if my Work & Travel program is canceled or delayed?

Accepted Answer

If your Work & Travel program is canceled or delayed, notify us immediately. We will work with you to determine any necessary adjustments to your financing and discuss potential options for your situation.

Question 37

How does Trublu ensure the legitimacy of the Work & Travel Agency I am working with?

Accepted Answer

Trublu only provides financing for students registered with certified Work & Travel Agencies. We verify the certification of these agencies to ensure that they meet our standards for legitimacy and quality.

Question 38

What should I do if I encounter issues with my Work & Travel Agency?

Accepted Answer

If you encounter issues with your Work & Travel Agency, contact us for assistance. We can provide guidance and support to help resolve issues or address concerns related to your financing.

Question 39

How will I be notified of my loan approval status?

Accepted Answer

You will be notified of your loan approval status via email or phone. We will provide you with details on the next steps and any additional actions required.

Question 40

Can I apply for Work & Travel financing if I have previous travel experience?

Accepted Answer

Yes, previous travel experience does not disqualify you from applying for Work & Travel financing. Your application will be evaluated based on the specific requirements of the financing program.

Question 41

What are the eligibility criteria for Work & Travel financing?

Accepted Answer

To be eligible for Work & Travel financing, you must be a registered student with a certified Work & Travel Agency, meet the age and program requirements. Contact us for a detailed list of eligibility criteria.

Question 42

Are there any financial counseling services available as part of the Work & Travel financing?

Accepted Answer

Yes, we offer financial counseling services to help you manage your loan and financial planning. Contact us to learn more about the counseling services available to Work & Travel clients.

Question 43

What should I do if I need to update my contact information or travel details?

Accepted Answer

To update your contact information or travel details, inform us promptly so we can update your records and ensure that you receive all relevant communications and support.

Question 44

What is your approval rate?

Accepted Answer

Our approval rate is 98%, reflecting our commitment to getting each client approved. We work closely with every client to ensure their application meets Trublu's guidelines, providing personalized support throughout the process.

Question 45

How long does it take to process a refund if I made an overpayment?

Accepted Answer

If you have made an overpayment and submitted a refund request, please note that refunds are processed within up to 60 days from the date the request is received. This timeframe allows us to verify the payment, complete internal reviews, and process the refund accordingly.
We appreciate your patience and understanding throughout this process. If additional information is required, our team will contact you directly.

Frequently asked questions