Why are Juo Loans different?

Juo Loans are a new loans brand, launched in the UK in 2017 and we’re here to do things differently.

We believe in understanding our customers through data and dialogue, to understand any past credit problems and their current situation. This allows us to help our customers to find the right loan, at the right time.

We know that historic credit file information can sometimes make it difficult to obtain credit when it’s needed, even if a customer’s situation has changed today. That’s why we look to understand the wider picture; we don’t just base a decision on credit score, we look at where our customers are now and what is affordable for them. This means we’re able to accept customers who may have had previous credit issues, CCJ’s, or have been turned down by other lenders.

Responsible Customers

Our customers are responsible with money, they’re aware of their credit score, want to progress financially, and want access to credit when they need it. They’re on their way up and they want the right loan, at the right time. No worrying and no fuss.

Responsible Lender

It’s important to us that repayments will be affordable for each customer, and so all of our loan options are designed to find the right loan for each customer’s needs. Our customers are aware and act responsibly when it comes to their credit status, so being able to comfortably make the monthly repayment is just as important to us as it is to them.

We may have only launched recently but we’re not as young as we look. We’re part of the Curo group, who are experts at helping customers find the right loans for them across the UK, US and Canada.

Our Loans

At Juo Loans we offer a choice of medium to long term loans, from £1000 to £3000 over 1 to 3 years, which can be taken as a personal loan, or with a guarantor.

When choosing which Juo Loans loan option is right for you, first tell us how much you’d like to borrow over how long, and then decide whether you’d like to take a personal loan, or add a guarantor.

The Juo Loans Personal Loan

With a Juo Loans personal loan, you tell us how much you’d like to borrow and for how long, complete our simple, straightforward application to then view your loan options. We only perform a quotation credit search at this stage, which means this won’t impact your credit file and can’t be seen by any other lenders. This allows you to see what you’re eligible to borrow without worry. If we’re able to offer you a loan and you’re happy with the offer, we’ll confirm a couple of final details over the phone and complete a full credit check, then the money will be transferred into your bank account, usually on the same day.

The Juo Loans Guarantor Loan

With our Guarantor loan option, as with our personal loans, you tell us how much you’d like to borrow and over how long, complete our simple application form, then view your loan options. We only perform a quotation credit search at this stage, which means this won’t impact your credit file and can’t be seen by any other lenders. This allows you to see what you’re eligible to borrow without worry.

By adding a Guarantor to your loan, this could make your loan cheaper, with an APR of just 49.9%, or 99.9% if you’d rather go it alone. If you’re not sure which loan is right for you yet, you can apply and view your offers before deciding which one to go ahead with.

If you’d like to make extra repayments or repay early, you can do this. By reducing the term of your loan you’ll save money on the overall interest you pay. After 21 days, interest is charged daily so you’ll only ever pay for the amount of time you have the loan for.

How our loan process works

  • Apply now to see your loan offers - no impact on your credit file

  • Choose the right loan for you, personal or guarantor

  • Add your guarantor (if you’ve chosen this option)

  • If approved, receive your funds the same day