Listed below are some of the most popular questions asked of us:

Who is 868loans? is a registered trademark of Bayshore Finance (T&T) Ltd and is the domain name used for persons to find us on the internet. It is the website that we use to give customers an easy access to our loan services, submit loan applications, and learn about effective personal financial management.

How Much Money Can I Borrow?

Between $2,000 - $40,000

How much you are able to borrow is dependent on your own unique situation. The amount that you are able to borrow will depend on How much you earn per month, your deductions and day-to-day expenses. We are focused on ensuring that whatever you borrow, can be serviced comfortably without putting you or your family under financial duress.

The amount of money you are able to apply for may change from time to time. We will carry out our usual credit checks no matter how many times you borrow from us. Our loans are not to be used as a continual credit source nor are our loans designed for longer periods.

How much does a loan with Bayshore Finance (T&T) Ltd cost?

Before you submit an application form, we will tell you how much you can afford to borrow and repay over a 6-month period. Simply type in how much you earn per month, your deductions and your monthly expenses on the home page. You will be able to adjust the loan period to a shorter loan period if that is preferred, though the loan amount will be adjusted. Bayshore Finance (T&T) Ltd does not charge fees or other hidden costs. Our interest rates do not exceed 4% per month. We have special interest rates for repeat customers in good standing and Government employees.

What if I have bad credit?

We do carry out a credit check with various credit bureaus in Trinidad and Tobago as part of our decision making process.

We encourage applicants to give us as much information as possible and make sure that the information is as accurate as possible during the loan application process.

Having a bad credit does not mean that you will be automatically declined but it is always better that you disclose it to us first rather than we finding it out.

If you are concerned about your financial situation and it is worsening, we encourage you to seek advise and assistance. YOU CANNOT BORROW YOUR WAY OUT OF A BAD FINANCIAL SITUATION.

If we cannot provide you with a loan we will give you reasons why your loan application was declined and what actions you can take.

Who is Bayshore Finance (T&T) Ltd regulated by?

Bayshore Finance (T&T) Ltd is a licensed money lender in accordance with the provisions of the Moneylenders Act Chapter 84:04

I’ve forgotten my password

You can request a new password here.

Make sure you have your email address ready. An access link will be sent to your registered email address.

How do I change my details in my account?

You can update your account details by logging into my account and editing sections such as address, email address, cell number, employment details, etc.

What if I have complaint?

At Bayshore Finance (T&T) Ltd, we not only want to hear good news. We view a legitimate customer complaint as a wonderful opportunity to serve you better. If you are not happy about an aspect of our service, please let us know as soon as possible so that we can make things better.

We have provided you with a number of options to contact us:

Please remember to include the following details:

  • Your Name
  • Email Address that you use with your loan account
  • Your Customer ID
  • A description of your complaint including supporting documentation
  • What would like us to do to make things right for you

What happens if my loan is not repaid on time?

We take your promise to us to repay your loan very serious. We know you are busy so we send out at least two reminders of upcoming payments at least a week before the due date. If your payment is late you will be notified by the 3rd day after the repayment is due. If no payment is forthcoming by the end of 7 days, your loan account is handed over to our collections unit for further action. You will be encouraged to make contact with your employer to ensure that loan repayments are remitted on time.