Unify Credit Union


Unify and Just Borrow Logo

JustBorrow loans from Unify Credit Union, are being offered as an affordable alternative to short-term lending such as payday and instalment loans. You can borrow between £100 and £750 and repay it over any period between 3 and 9 months.

 Laptop showing the Just Borrow website

Our interest rate will never exceed 42.6% APR and there are no penalties for early repayment – making them much cheaper than the high-cost lenders. For example,  a ‘Just Borrow’ loan of £600 loan over 6 months will cost just £64.56 in interest, compared to £591.84 with Sunny (1,293% APR), or £450.26 (720% APR) with Peachy.*

 The online platform makes it quick and simple to apply 24/7 with applicants getting an immediate decision. If approved, the money is paid quickly and directly into the borrowers’ bank account with monthly repayments automatically collected via your debit card on the selected day.

The application and decision process are quick and can be accessed via this link:Apply Now


Just Borrow being used on a tablet

Just Borrow Loan Comparison:
If you were to borrow £600 over 6 months


Just Borrow




Representative APR





Amount of interest





Monthly repayment





Total Repayable





(Price quotes taken from company websites on 15 May 2019. For exact quotes please refer to the company websites.)

If you think JustBorrow sounds like the ideal short-term lending option for you, then apply today!
Apply Now


IMPORTANT - if you are in a debt management plan, subject of a Debt Relief Order,  IVA or bankruptcy or not currently up to date with household bills we are unlikely to be able to provide you with a loan.  

Debt advice can be obtained, free of charge, from STEPCHANGEDEBT ADVICE FOUNDATION or your local CITIZENS ADVICE.  

Free and impartial money advice can be obtained from The Money Advice Service

Only our members have access to these great Starter Loan rates. Become a member today!



If you want to save for a rainy day or a holiday, a Unify account is quick and easy.


If you need a loan with Unify Credit Union, click here to find out more.

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