Fair and affordable short-term loans from £100 to £750

Why choose a JustBorrow loan?

A much more affordable way to borrow

The interest rates on our short-term loans are so much cheaper than the alternatives and will never be more than 42.6% APR. And unlike other lenders we never charge fees for early or late payments.

Services you can trust to be fair

JustBorrow loans are delivered by a network of local not-for-profit credit unions so you can be certain the services will always be ethical and responsible.

Straightforward application and immediate decisions

Apply online and you will get your decision instantly. You can also choose our same day payments service to get the money transferred directly into your bank account.

What our borrowers say?


of our JustBorrow reviewers would recommend us to friends and family

"Really friendly staff and Caitlin is very helpful great customer service "

"Excellent "

Compare just how much could you save

JustBorrow loans make lending fairer and much more affordable – saving you hundreds of pounds compared to the online alternatives.

Borrowing £600 over 6 months.

  Sunny Satsuma Peachy
Representative APR 42.6% 1,266% 991% 720%
Amount of interest £64.56 £592.68 £537.60 £460.32
Monthly repayment £110.76 £198.72 £189.60 £176.72
Total Repayable £664.56 £1,192.68 £1,137.60 £1,060.32

Price quotes taken from company websites on 18 August 2019. For exact quotes please refer to the company websites.

How it works?

Step 1

Select the loan you need making sure it’s right for your circumstances and you can afford the repayments.

Step 2

Apply online with your local credit union by completing our short application form. You will either get an instant approval or will need to be referred to a Loan Officer.

Step 3

If approved, we will direct you to a secure site to test your bank account and set up your repayments. Finally you will need to read and agree your loan agreement.

Step 4

Your money is sent directly to your current account by your selected method. We will then take payment from your registered debit card on each repayment date.

You can find out more information on the FAQ or Contact pages.