The place you start before borrowing.
Hey Carrot helps you figure out what you can afford, where you should apply, and what you need — before you waste time going from lender to lender.
About 2 minutes · No credit check · Independent guidance · No loan guarantees
Comfortable monthly payment
Illustrative$18,400 /mo
Borrowing range
$420k – $610k
Based on income & obligations
Lender fit
Loan-Ready checklist
3 of 5- Payslips
- TRN & ID
- Proof of address
- Bank statements
Borrowing doesn't have to start at the bank.
Start with clarity before you start applying.
Tell us what you're considering
Car, home, personal expenses, education or something else.
Used car
Personal, 36 months
See what you can comfortably afford
Understand a sensible borrowing range—not simply the maximum someone may approve.
$18,400 /mo
Comfortable, not maximum
Get Loan-Ready
Know which options may fit and what you'll need before applying.
Go prepared
Approach the right lender with clarity instead of trying everywhere.
Checklist organised
Know your number before anyone else tells you theirs.
A two-minute check that turns your income and obligations into a comfortable monthly payment and a realistic borrowing range.
Affordability check
Free- Your monthly picture — income, expenses, commitments
- What you're considering borrowing, and over how long
- A comfortable borrowing range and your pressure level
About 2 minutes · No credit check · Private by design
Know what to bring before you go.
Different lenders ask for different things. Hey Carrot helps you understand what your preferred lender needs and organise your Loan-Ready checklist before you apply.
You stay in control of your documents. Hey Carrot does not accept uploads or submit anything to a lender on your behalf.
- Employment letterReady
- Recent payslipsReady
- Bank statementsStill needed
- IdentificationReady
- TRNStill needed
- ValuationWhere applicable
Want a human to work through it with you?
Get Loan-Ready with Hey Carrot.
Loan-Ready Day
At participating workplaces.
J$5,000
- Private 30-minute session
- Affordability review
- Recommended borrowing range
- 2–3 lender/product options worth considering
- Lender-specific checklist
- Payment / repayment guidance
- 30 days WhatsApp follow-up
Loan-Ready Private
Same session, booked on your own time.
J$10,000
- Everything in Loan-Ready Day
- A date and time you choose
- No workplace event required
- 30 days WhatsApp follow-up
Bring Loan-Ready Day to your workplace.
Give your team practical borrowing guidance without giving Hey Carrot access to your employee records—or giving you access to theirs.
J$0
for the employer
20-minute staff session
Practical introduction to affordability and borrowing.
Private 30-minute appointments
Employees who want individual help book directly.
Private by design
Individual borrowing information is never reported to the employer.
No employee records shared in either direction.
Clear from the start.
We don't lend money.
Hey Carrot provides guidance and preparation. The lender makes the lending decision.
We don't guarantee approvals.
Paying Hey Carrot does not mean a lender will approve an application.
We stay independent.
Where a commercial lender relationship exists, we tell the customer.
Recommendations aren't bought.
Commercial relationships do not determine recommendation order.
We collect less, not more.
We only ask for information necessary for the service being used.
Questions about any of this? Ask us directly on WhatsApp.
Start with clarity before you borrow.
See what you can comfortably afford for free—or get personal help becoming Loan-Ready.
Independent guidance · Private by design · No loan guarantees