Jara · Asset finance
Own the tools that earn for you.
Bikes, tricycles, solar, freezers, mills and phones — bought through approved dealers. You put money down, the asset secures the rest, and Jara holds title until the last payment.
- Price
- 2.5% a month on the reducing balance — you only pay interest on what you still owe. Adjusted by grade (A -0.50% … E +1.0%) and by how much you put down; never below 2.0%.
- Term
- Up to 12 months, repaid monthly or weekly to match how you earn.
- Money down
- First asset loan: at least 30% · 1–2 cleared loans: at least 20% · 3+ cleared loans: at least 10%
- Pay-out
- Your down payment comes to Jara first; Jara then pays the dealer. The dealer invoice must equal your down payment plus the amount financed.
- One at a time
- One live asset loan until the first one clears. No new asset while any loan is late.
- If things go wrong
- An asset loan is never re-aged or restructured. Persistent default means the asset is recovered and sold to cover what is owed.
Put more down, pay less
Under 50% financed
-0.75%/mo
50–60% financed
-0.50%/mo
60–70% financed
-0.25%/mo
70%+ financed
Base rate
What we finance
Bike / tricycle
We count 60% of its verified value as security.
Generator / solar
We count 50% of its verified value as security.
Freezer / mill / equipment
We count 45% of its verified value as security.
Phone / laptop
We count 20% of its verified value as security.