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Just Us

Just Us

Just Us is a P2P platform that provides a wide range of loans from personal loans, guarantor loans for tenants, bridge loans to buy to let mortgages. The platform also provides investors with the facility to invest in these opportunities.

Unlike other P2P personal lenders who only lend to people with very good credit scores, Just Us take a different approach and manually underwrites each loan. This process includes validating income, length of time in employment and other checks. On average the platform will present 1 in every 20 loan applications they consider to lenders.

Each investment opportunity has a labelled risk associated with it. The risk appetite also creates the interest rate Access with a 1.2% p.a, Prudent 4.32% p.a, Balanced 6.41% p.a and Adventurous 9.61% p.a.

They also have a "Rainy Day Pot" this is funded by platform fees paid from unsecured borrowers and is maintained at a level sufficient to cover their expected rate of arrears on these borrowers. It worth noting that this pot does not cover late property loan or guarantor loan interest repayments.  The Rainy Day Pot is used to cover an unsecured borrower's late payment, although this is not guaranteed and is the discretion of Just Us.


Just Us Products and Investment

    Lend against a range of personal guarantor loans, available to homeowners and tenants with medium to poor credit backed with a guarantor who is a homeowner with excellent credit, bridge loans secured with a second charge and a maximum LTV of 85% and high rate unsecured loans where the borrower must be a homeowner, but may have previous credit problems in the past through no thought of their own.

    term: 24 - 60 months min. investment: £10 return: up to 9.61%*
    * provided on 05/05/2020

    Lend against a range of bridge loans with a maximum LTV 75%, average rate unsecured loans where the borrower must be a homeowner, personal guarantor loans available to homeowners and tenants with medium to poor credit and buy to let mortgages secured by a first legal charge with a maximum LTV 80%

    term: 24 - 60 months min. investment: £10 return: up to 6.41%*
    * provided on 05/05/2020

    Lend against property via bridge loans with a maximum LTV 65%, buy-to-let maximum LTV 65% and low rate unsecured loans where the borrower must be a homeowner.

    term: 24 - 60 months min. investment: £10 return: up to 4.32%*
    * provided on 05/05/2020

    Cash held on account will benefit from an interest equivalent of 1.2% per annum

    term: 24 - 60 months min. investment: £10 return: up to 1.20%*
    * provided on 08/04/2020
Go to Just Us

£10M
loan book volume

0.00%
default rate

10.17%
average interest rate

£660,000
biggest loan

* correct as of 18/06/2020

support@justus.co

28b London Road, Alderley Edge, Cheshire,
SK9 7DZ

01625 750027

08158588
company number

26/07/2012
incorporated 8 years

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph