JustUs personal loan alternatives
Formerly known as eMoneyUnion, JustUs launched in 2016 as a peer-to-peer personal loan service. Compare them to six similar companies to see who has the best deals.
Online peer-to-peer (P2P) platforms are a fairly recent trend in finance, aiming to bring together borrowers with investors, so both get a better deal. P2P platforms hope that by cutting out the bank in the middle (“just us” – see what they did there?), with its expensive overheads, they can offer market-leading rates.
If you’re looking for other companies offering a similar service to JustUs, here’s a list of alternative P2P lending platforms.
|Borrow £1,000 to £25,000 over terms from 1 to 5 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 718925.||Representative example: Borrow £7,500 over 5 years at a rate of 8.8% p.a. (fixed) with a £180 fee. Representative APR 9.9% and total payable £9,443 in monthly repayments of £157.40||More info|
|Borrow £2,500 to £25,000 over terms from 12 to 60 months. QuidCycle specialises in helping borrowers to refinance and consolidate expensive debt. FCA firm registration number: 655370.||Representative example: Borrow £10,000 over 5 years at a rate of 6.9% p.a. (fixed) with no fee. Representative APR 6.9% and total payable £11,880.00 in monthly repayments of £198.00.||More info|
|Borrow £1,000 to £35,000 over terms from 1 to 5 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768.||Representative example: Borrow £5,000 over 1 year at a rate of 3.9% p.a. (fixed) with no fee. Representative APR 3.9% and total payable £5,195.00 in monthly repayments of £432.92.||More info|
|Borrow £1,000 to £25,000 over terms from 1 to 5 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 723151.||Representative APR 9.9%. The rate you are offered depends on your personal circumstances, the loan amount and the repayment term, and may differ from the Representative APR.||More info|
|Borrow £1,000 to £20,000 over terms from 1 to 5 months. Soft search facility means that checking your rates won’t affect your credit score. FCA firm registration number: 722768.||Representative example: Borrow £7,500 over 36 months at a rate of 18% p.a. (fixed) with £440.00 fees. Representative APR 22.9% and total payable £10,144.52 in monthly repayments of £281.79.|
|Borrow £1,000 to £7,500 over terms from 1 to 5 months. FCA firm registration number: 724098.||Representative example: Borrow £3,500 over 5 years at a rate of 4.9% p.a. (fixed) with fees of £105.00. Representative APR 7.31% and total payable £3770.64 in monthly repayments of £104.74.|
Estimate the cost of your loan from a range of lenders
Before you take out a personal loan, it’s smart to read up and shop around. If you’ve been given a quote by JustUs or another lender, use the table below to see how much you could be likely to pay for the loan that you have in mind from a range of other popular lenders:
With no guarantor
With a guarantor
With a guarantor who is a homeowner
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