One application goes to every bank, credit union and insurer in St. Maarten. They compete. You take the best rate and the best premium, plus EZirates’ own loans and cover, in the same app.
One application goes to every bank and credit union in your market. They compete. You take the lowest rate, and your loan comes protected.
Motor, home, travel, life and more. Make one request and compare every insurer in your market side by side, no calling company to company.
Apply, or see what's happening on your island.
The EZirates application is not open to the public yet. On launch day you will apply once and let every bank, credit union and insurer in your market compete for you. Please check back then.
Clears your outstanding loan balance if the unexpected happens, so the debt never passes to your family. Attached to every loan, at no separate cost.
No bank visits. No phone tag. No paperwork.
Pick your island and see every bank, credit union and insurer that serves it.
One application for a loan or insurance goes to every qualified provider. They compete for your business.
See the offers side by side, accept the best, and e-sign. All from your phone.
Buy or refinance
Finance a vehicle
Any purpose
Grow your business
Dental, surgery, wellness
In the Caribbean, the best rates and premiums are rarely published. EZirates puts your single application in front of every provider at once, so they compete for you.
Apply once and every bank, credit union and insurer in your market can respond. No driving door to door, no repeating paperwork.
Caribbean banks and insurers seldom post their best pricing. Side by side, with your application in hand, they put their real offer forward.
Your contact stays private until you accept an offer. We never sell your data. You choose the deal, or you walk away.
256-bit encryption on all data, the same standard the banks use.
EZirates is a technology platform. Licensed banks, credit unions and insurers make every decision and hold every account.
Your sensitive documents are removed from our servers after 90 days.
Your phone and email stay hidden from providers until you accept an offer. No spam calls.
Free guides and tools to help you make a smarter decision before you apply.
Your Debt Service Ratio sets how much you can borrow. Learn to calculate yours before you apply.
No-claims discounts, coverage types, and what insurers actually look at when they price your policy.
Enter your income and expenses and see how much you can comfortably borrow.
One application. Every provider. Less than five minutes.
Every bank ranked. No more guessing.
Every insurer ranked by annual premium. Stop calling around.
Every provider in your market, ranked by rate
Smart tools for loans and insurance decisions
Estimated premiums from every insurer in your market.
Ask anything, loans, insurance, rates, premiums, eligibility
Start here. We'll guide you through the right application, loans, insurance, or both.
The Caribbean's first digital financial services broker
EZirates exists to give Caribbean consumers something they've never had: the power to make every bank, credit union, and insurance company compete for their business, simultaneously, transparently, and from a single application.
For too long, getting a loan or insurance in the Caribbean meant driving from institution to institution, filling out the same paperwork multiple times, and never knowing if you got the best deal. EZirates changes that. One application. Every offer. Better rates. Better premiums. Save time. Save money.
EZirates Caribbean Financial Services Ltd. is registered in St. Kitts and Nevis, with licensing applications submitted in St. Maarten and St. Lucia. We are a licensed financial services broker, NOT a bank, lender, or insurance company. We don't make lending decisions or set rates. We connect you with the institutions that do, and we make them compete for you.
EZirates is free for consumers, you will never pay us a fee. We earn revenue from financial institutions: referral fees when we send them qualified applications, transaction fees when loans are funded or policies are activated, and technology subscriptions from institutions that use our platform. Our compensation never affects the rates or premiums you see, those are set by the institutions themselves.
We use 256-bit encryption, the same standard banks use. Your contact information is hidden from providers until you accept an offer. Documents are automatically deleted after 90 days. We never sell your data. Read our full Privacy Policy and Terms of Service.
See if you qualify before you apply. No credit check. No commitment.
Get notified when rates drop in your market. Never miss a better deal.