Discoverflow | Jamaica | FAQ | mobile

Flow Lend is a mobile application that allows an active Flow prepaid customer to request a credit advance (loan) for their account. Flow Lend loans can be used for voice calls, data/internet and sending SMS.


Yes. Customers will be charged a nominal fee for every loan:


Loan Amount (JMD)Payback Fee (JMD)

Yes, a Flow prepaid subscriber can receive a Flow Lend request while roaming and apply for a loan.

No, FLOW postpaid subscribers are unable to request a loan.

A Flow prepaid subscriber may take as many loans as they would like, once any prior loan has been paid in full. If there are unpaid balances, the prepaid subscriber will not be able to take on another loan.

A Flow prepaid subscriber may pay back a loan through a recharge purchased through voucher, direct top up, online top up, international top up or credit transfer. The recharge value will be applied towards the loan value. Promotional balance will not be used to repay a loan.

In the event a recharge is performed by a prepaid subscriber and is subject to a given promotion, the promotional balance will first be used to repay an outstanding loan.

The Flow prepaid subscriber will be prompted to pay back all loans within 7 days to receive points, but ultimately, he will have 30 days to repay the loan.

  • Repays: If a Flow prepaid subscriber surpassed the 30-day-period to repay, but pays back before reaching an inactive state, his debt will be considered repaid.
  • Partially repays: If the Flow Prepaid subscriber makes a partial repayment over the course of the next 30 days after their loan was issued, their outstanding balance will remain and will be deducted from any further recharge.

A customer will be able to accumulate points at the various levels by repaying their outstanding loan on time.

Loans are expected to be repaid within 30 days.

  • Pay before 15 days and receive 5 points
  • Pay between 16 -30 days, no points
  • Pay after 30 days and lose 5 points
  • All new loan requests at the Beginner level will get 10 points as a Welcome gift towards movement to the Bronze tier, which means they will only need 3 loans paid before 15 days to move to the bronze level.
  • All other levels require 5 loans paid before 15 days to move to the next level.

Customers can check their points and level by dialing*135# and select option 6.My Points

Beginner0 – 24
Bronze25 - 49
Silver50 - 74
Gold75 - 99