MYNE LEND Jamaica Limited

FAQs

General Questions

MYNELEND is a micro-credit lending company that partners with Flow Jamaica and JMMB to offer convenient loan services via a mobile app on an Android smartphone.
You received a message because you’re a valued Flow subscriber, and we’re introducing MYNELEND’s services as a new, innovative financial solution. The message is legitimate only when it comes from Flow who has partnered with MYNELEND to offer their customers access to affordable loans directly from their smartphones. This service is part of our commitment to providing value-added services to Flow customers.
If you’re interested, reply OK to the What’s App invitation from FLow, then MYNELEND will send you an exclusive invitation code and a link to download the MYNE app from the Google Play store to apply for a loan. If you need further assistance, you can call or WhatsApp the MYNELEND team at 876-960-MYNE (6963).
The service is currently available only to Flow subscribers who use an Android smartphone.
We’ll be expanding to more people over time, but for now, if you’re with Flow, keep an eye out. You’ll get an invite code sent directly to you, and you can use it to apply through the MYNE app. For your peace of mind, this message will come straight from the official Flow WhatsApp account—so you know it’s legit. Be on the lookout, and don’t miss out
No, not at this time. You must be an active Flow subscriber for more than 6 months with an NFC capable, Android device.
Both Flow and MYNELEND prioritize customer data protection, adhering to strict data privacy regulations. Also, MYNE is certified by Visa and uses tokenization and biometric authentication to secure your payment information. Your card details are not stored on the device or shared with merchants, ensuring your transactions remain secure and private.

For more information, customers are encouraged to visit the MYNELEND website at www.MYNELEND.com, or you can WhatsApp or call the support team directly at 876-960-MYNE (6963) for personalized assistance.

The app is not available for iPhones currently.
This service allows for specific Flow customers who may be in need of a loan the opportunity to apply for a loan through the use of the APP on a mobile device.
No, the MYNE App is free to use on the Flow mobile network. It will not impact your data plan in any way.
No, not at the moment.

MYNELEND Loan Information

MYNELEND offers unsecured fixed-term loans at fixed interest rates. The loan amounts and repayment period may vary depending on the client.
Loans range from $10,000 to $150,000 Jamaican dollars depending on the client.
Loan term varies from 1 to 12 months to repay depending on the client.
No. MYNELEND covers all credit report costs for its clients.
Once your loan is approved, loans are disbursed via instant issuance to your VISA virtual card accessible inside the MYNE app. You may tap & pay with your card from your mobile phone at any retail location that has Nearfield Communication (NFC) Point of Sale machines. You may also cash out from your virtual card through the app and collect at an authorized location. For more information, visit www.MYNELEND.com or call/WhatsApp 876-960-MYNE (6963).
Clients will receive the full loan amount, however, a nominal Refund Fee equivalent to 5% of the loan amount is deducted upfront. The sum is refunded upon full repayment of the loan, subject to satisfaction of repayment conditions.

You may cash out through the MYNE App by selecting the CASH OUT option from the Home Screen. You are required to specify your cash out amount and take the reference number received by text message, along with a valid ID to any authorized JMMB money transfer location Island wide. There is a transaction fee of $100 Jamaican Dollars plus G.C.T. payable at the counter. See list of locations https://jm.jmmb.com/send-pick-up-locations#agents.

Customers will be able to clear some or all of their loan earlier than scheduled.
MYNELEND is expected to report customers with delinquent loans to the relevant credit scoring authorities. Although this is in keeping with standard lending institution practices, MYNELEND will provide appropriate reminders and convenient payment options to ensure its valued customers maintain good standing.
Yes, there will be an option for you to re-apply for a new loan once the current loan is paid off in full and on time.
There is no late fee charge; customers should visit the nearest Bill Express location to make payment. In addition, reminders will be sent.
Whenever a payment is made any overpayment is applied to the next installment amount until the principal is lower than the installment amount.
Your loan will be available until the card expires, if the card does expire a new card will be issued and any funds transferred from the expired card to the newly issued card.

MYNELEND Digital Visa card

Yes, you can purchase any item online using your digital Visa Card in the same way you use a physical card.

Yes, MYNE can be used overseas at merchants where contactless payments are accepted. However, availability may vary by country and bank. Be sure to ask your financial institution about international transaction fees. Please note you will pay for any data used on the app while abroad. Please check Flow roaming rates for more details.

Tap & Pay is a secure wireless technology that allows you to securely pay for goods and services directly from the MYNE app on an NFC-enabled Point of Sale (POS) machine or card reader. Your mobile phone is not required to have NFC capabilities in order for the APP to be downloaded.

Open your app to access your digital card, press the green tap button and tap your phone on the merchant’s POS device to pay for goods and services. The money is deducted from your account and is paid to the supplier. Your available balance is updated after every transaction.

To get NFC (Near Field Communication) capabilities on a device it has to be enabled from the device as most modern smartphones, especially from brands like Samsung and Google, have NFC built-in. Enable NFC: If your device has NFC, you may need to enable it in your settings (usually in Settings > Connections > NFC -on>Contactless payment – Myne)
If your device does not have the NFC feature your card will appear grey in the APP as you will be unable to access the Tap & Pay feature. If you have the NFC feature and your card is grey, ensure NFC has been enabled then clear data and cache from the APP and retry.
There are two options for you to access your funds if your device is without the NFC feature 1. You are able to complete online transactions to purchase goods or services anywhere Visa cards are accepted. 2. You can cashout your funds at any JMMB Money Transfer location island wide.
Your account number is your TRN number. You will need this number when login into the APP and when making repayment at Bill Express instore or online

You are able to make repayments online by visiting Bill Express website at www.billexpressonline.com
BillExpress Online: Home
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Pay Your Bills Online. BillExpress is the free, fast, and safe online bill payment service for people who value their time and money.
www.billexpressonline.com
You will need to complete registration for Bill Express after which you can sign in and make your payment

Yes, Tap & Pay is the most secure way to pay for goods and services on an NFC enabled POS machine. MYNE App is certified by Visa and uses tokenization, and biometric authentication to secure your payment information. Your card details are not stored on the device or shared with merchants, ensuring your transactions remain secure and private.

Yes, for your own security, you are limited to 20 transactions a day.

Currently, the highest amount you can tap in a single transaction is JMD$75,000

If your transaction is declined, check the POS terminal you are using is connected to the internet. Verify your card’s expiration date and available balance. If issues persist, please contact us by email at support@MYNELEND.com. You may also call or WhatsApp at 876-MYNE (6963).

No, you will not need insurance as your money is protected based on JMMB protection.

MYNELEND Troubleshooting

Please contact us by email at support@MYNELEND.com. You may also call or WhatsApp at 876-960-MYNE (6963). We will then open a case to review this. If you feel your card details have been stolen, please lock your card immediately.

If you feel your card details have been stolen, please lock your card immediately and contact us by email at support@MYNELEND.com. You may also call or WhatsApp at 876-960-MYNE (6963).

Please contact us by email at support@MYNELEND.com. You may also call or WhatsApp at 876-960-MYNE (6963).

Please contact us by email at support@MYNELEND.com. You may also call or WhatsApp at 876-960-MYNE (6963).
If the app is taking longer than usual to load or isn’t loading, it might be due to a weak or unstable internet connection. Please ensure you have a strong Wi-Fi or cellular data signal and try again. Sometimes switching between Wi-Fi and cellular data can help.
Inability to complete transactions or actions can often be caused by interruptions in your internet connection or the connection of the POS machine you are using. Please check your connection and ensure it is stable. For the best experience, a strong and consistent connection is recommended.
If images or videos are not loading properly, it may be due to limited bandwidth or a slow internet connection. Try connecting to a stronger Wi-Fi network or checking your data speed to ensure it meets the app’s requirements.
Delays or timeouts are often caused by network latency or connectivity issues. This can happen if you’re in an area with poor reception or if your internet connection is unstable. Please check your network connection and try again.
These error messages typically indicate that the app is having trouble connecting to our servers due to network issues. Please check your internet connection and try restarting the app.
The app’s performance can vary depending on the type and quality of your internet connection. Wi-Fi connections are generally more stable than cellular data, which can vary based on signal strength and network congestion.
Switching between Wi-Fi and cellular data or experiencing network drops can sometimes cause the app to crash or freeze. For a smoother experience, we recommend using a stable and uninterrupted network connection.”
When you see “pending” on a transaction in your account, it means that your purchase has been authorized and is awaiting final processing. While pending, the transaction amount is deducted from your available credit but has not yet been taken from your account balance. This process can take a few days to complete, depending on the merchant and the bank. Once finalized, the transaction will appear as “posted” on your account.