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.

CompanyDescriptionExample Loan
ZOPABorrow £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 £157.40Go to site
QuidCycleBorrow £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
RateSetterBorrow £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
Lending WorksBorrow £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
LendableBorrow £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.
Madiston LendLoanInvestBorrow £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

Table: sorted by representative APR, promoted deals first

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:

Name Product Total Payable Monthly Repayment Representative APR Link
Zopa Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 5 years at a rate of 8.8% p.a. (fixed) with an application fee of £240.00. Representative APR 9.9% and total payable £12,602.87 in monthly repayments of £210.05.
Hitachi Personal Finance Hitachi Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.1% p.a. (fixed). Representative APR 3.1% and total payable £10,478.16 in monthly repayments of £291.06.
Lending Works Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.1% p.a. (fixed) with an application fee of £0.00. Representative APR 10.7% and total payable £11,651.40 in monthly repayments of £323.65.
Barclays Bank Existing Current Account Customer Barclayloan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 7.9% p.a. (fixed). Representative APR 7.9% and total payable £11,219.04 in monthly repayments of £311.64.
Lloyds Bank Existing Customer Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 3.9% p.a. (fixed). Representative APR 3.9% and total payable £10,601.64 in monthly repayments of £294.49.
My Community Bank Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 18.0% p.a. (fixed). Representative APR 18.0% and total payable £12,774.96 in monthly repayments of £354.86.
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Compare up to 4 providers

Name Product Total Payable Monthly Repayment Representative APR Link
118 118 Money Personal Loan
Check eligibility
View details
Representative example: Borrow £2,000.00 over 2 years at a rate of 49.9% p.a. (fixed). Representative APR 49.9% and total payable £2,967.36 in monthly repayments of £123.64.
Fintern Fintern Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 18.8% p.a. (fixed). Representative APR 18.8% and total payable £12,897.72 in monthly repayments of £358.27.
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Compare up to 4 providers

With no guarantor

Name Product Total Payable Monthly Repayment Representative APR Link
Likely Loans Personal Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 59.9% p.a. (fixed). Representative APR 59.9% and total payable £19,010.16 in monthly repayments of £528.06.
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Compare up to 4 providers

With a guarantor

Name Product Total Payable Monthly Repayment Representative APR Link
Trusttwo Trusttwo (Tenant Guarantor) Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 36.9% p.a. (fixed). Representative APR 36.9% and total payable £15,644.16 in monthly repayments of £434.56.
1plus1 Loans Guarantor Loan
Check eligibility
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 47.8% p.a. (fixed). Representative APR 47.8% and total payable £17,259.12 in monthly repayments of £479.42.
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Compare up to 4 providers

With a guarantor who is a homeowner

Name Product Total Payable Monthly Repayment Representative APR Link
UK Credit Limited Homeowner Guarantor Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 29.9% p.a. (fixed). Representative APR 29.9% and total payable £14,590.08 in monthly repayments of £405.28.
Trusttwo Trusttwo (Homeowner Guarantor) Personal Loan
View details
Representative example: Borrow £10,000.00 over 3 years at a rate of 36.9% p.a. (fixed). Representative APR 36.9% and total payable £15,644.16 in monthly repayments of £434.56.
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Compare up to 4 providers

Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
Late repayments can cause you serious money problems. See our debt help guides.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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