Rates in Guyana, with dates
Every figure the calculators use, exactly as published, with the day it was checked and where it came from. Reviewed 24 Sep 2026.
Personal loans
| Institution | Product | Rate or range | Term | Minimum | As of | Source | Confidence |
|---|---|---|---|---|---|---|---|
| Bank of Baroda (Guyana) | Personal loanUp to 24 times net salary; the rate card says 18.00% (since 1 January 2020) while the page's own example uses 20%; the bank's pages disagree. | 12.0% to 14.0% | max 36 months | G$300,000 | 24 Sep 2026 | bankofbaroda.gy | reported |
| Citizens Bank Guyana | Unsecured personal loanReducing balance; assignment of salary; secured personal loans 'competitive rates', max 5 years; home equity 9.50% | 18.5% | max 1 year | 24 Sep 2026 | citizensbankgy.com | checked on the source | |
| GBTI | Personal LoanAmount GYD 50,000 to 3,000,000; 'No collateral required for smaller amounts'; illustrative current rate 8.5% for 3 years | 8.0% to 14.0% | 6 months to 5 years | G$50,000 | 24 Sep 2026 | gbtibank.com | checked on the source |
| GPSCCU | Guarantor and Character loans1% per month on reducing balance; guarantor loan up to 3x Ordinary Savings; character loan up to 75% of Ordinary Savings; first loan after 6 monthly contributions, max $300,000; unsecured max $300,000 | 12.0% | 24 Sep 2026 | mygpsccu.com | checked on the source | ||
| IPED | Micro and small business loansIPED's product brochures (December 2022, still linked from its loans page) give the rates, all on the reducing balance: micro loans up to $2M, 36% down to 12% a year depending on loan size and how much cash collateral you put up; market vending loans up to $500,000 work out at 36% (3% a month); small and medium business loans up to $7.5M (vending, fishing, logging, mining, transport) 24%; poultry 20%; crop and livestock loans 14.75% with a single balloon repayment or 24% with regular instalments. Processing fee 1% (minimum $4,000, capped at $75,000 on most business loans; a flat $5,000 for market vending); legal fees 2% to 3.5% where property or vehicles are pledged; revenue stamps 0.1%. Loans from $40,000; bill of sale under $2M, mortgage at $2M and above. Lends to businesses, not households. | 12.0% to 36.0% | G$40,000 | 24 Sep 2026 | ipedgy.com | reported | |
| Republic Bank (Guyana) | Retail Loan (personal, incl. personal-use vehicle)Guide rates only; equity 0 to 25%; fee 1% of loan (min $6,000, max $55,000); unsecured loans max 2 years; vehicle term tiered by year of manufacture; life and disability cover compulsory | 5.0% to 15.0% | G$15,000 | 24 Sep 2026 | republicguyana.com | checked on the source |