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Just Borrow

Just Borrow

Just Borrow logo 

Existing members of the credit union may apply for this loan provided that they don’t have any other outstanding loan with Lewisham Plus Credit Union.

Lewisham Plus Credit Union ’Just Borrow’ loans, are intended to be an affordable alternative to short-term loan products from online payday and instalment lenders. You can borrow between £100 and £750 and repay it over any period between 3 and 9 months.

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.*

*Price quotes taken from company websites on 24 February 2019. For exact quotes please refer to the company websites 

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

Just Borrow Loan Application

Just Borrow image 

Further details:

• ‘Just Borrow’ loans are delivered through a network of local not-for-profit credit unions.
• You will usually get a loan decision immediately.
• Choose to have the loan paid into your bank account on the same day.
• Monthly repayments are automatically set-up and collected via your nominated debit card on your chosen date.
• You need to have a minimum net income of at least £920 per month or £212 per week. Net Income is the amount of pay you receive each month, after tax and any other deductionsBenefits, other than Housing benefit, are an eligible source of income.
• You can make additional repayments to reduce the loan more quickly if desired, but you must make your minimum payments on time. There is no charge from the credit union for early repayment of the loan.
• You will become a member of Lewisham Plus, joining over 10,000 people benefiting from access to our full range of simple saving accounts and affordable loans. Further details are on our website (www.pluscu.co.uk) but if you live or work within the Boroughs of Lewisham or Bromley or live in the SE19 postcode area, then you should qualify. Our hope is that you will remain a member of the credit union after your loan has been repaid.
• Existing members of the credit union may apply for this loan provided that they don’t have any other outstanding loan with Lewisham Plus Credit Union.
• Applicants must be aged 18 and over.
• A credit check will be undertaken as part of the loan decision process.

The table below provides some representative examples of the costs of our ‘Just Borrow’ loans.

Just Borrow loan size

Loan term 


Monthly payment


Total repaid































 For more information and to apply - please click on the following link: 


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Lewisham Plus Credit Union Limited is a member of the Financial Services Compensation Scheme (FSCS), complies with the Data Protection Act 1998 and is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Firm reference number 213588. Credit Union Registration Number 295C (IP00295C at Companies House).

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