JustUs - Risk and return review
JustUs - Returns and loss rates
JustUs – Platform statistics 2026
JustUs – Pros & Cons
About JustUs
What it is
JustUs is a small UK peer-to-peer lending platform run by eMoneyHub Limited from Alderley Park, Cheshire, since 2012. It started with personal loans and now lends mainly against property: bridging, buy-to-let and loans secured on homes. It reports £48.4 million lent across 421 loans, of which £39.3 million has been repaid and £9.1 million is still out on loan (27 October 2026). It takes money only from individual lenders, not institutions.
How it works
You lend in pounds, spread across small slices of loans, which you choose yourself or let the Auto-Bid tool place. JustUs checks and grades each borrower, from A1 to F6. Recent property loans run for 12 months and pay lenders 9.5% a year; the average term across all loans is 35 months. You can hold the loans in an Innovative Finance ISA or a SSAS pension. No headline minimum is published; the platform's own example uses £100 per borrower, and an ISA transfer-in starts at £1,000.
Returns
The statistics page shows a net annualised return of 8.63% across the whole loan book (27 October 2026), unchanged since at least August 2026; the method is not explained. Yearly results by grade tell a different story. In the year to 30 June 2026, most grades earned far below their target: grade B3 earned 0.56% against a 10% target, B1 2.38% against 8%, B2 3.22% against 9% and the Adventurous ISA 2.76% against 11.11%. The Balanced ISA earned 9.98% and property grade F2 10%. The highest target rate published is 14.5% (grade S3).
Losses and defaults
JustUs reports £0.00 of capital losses and a 0% default rate for every grade (a loan defaults when a repayment is 90 days overdue), and says it has never had a defaulted loan (outcomes statement of 26 October 2026). Its own downloadable loan book contradicts this. On 25 October 2026 it listed 7 loans in recovery, some of them past their end date since 2017 to 2019, 7 loans kept up by the contingency fund, 4 being paid by guarantors and a 2019 property loan still awaiting sale six years after it was due. Together these 19 loans were 2.97% of the money still on loan (£244,756 of £8.24 million), and 23 loans (9.40%) were past their end date. The outcomes statement also leaves out payments from the contingency fund. The loan book file and the statistics page do not match exactly (406 against 421 loans). These figures are calculated from the platform's own loan book.
What secures your money
Most recent loans are secured on property, with a first or second legal charge at 60% to 85% of the property's value, which lets lenders' claims be enforced through a sale. Older personal loans are either unsecured or backed by a guarantor who must pay if the borrower does not. A contingency fund (the Rainy Day Pot) can cover missed interest on unsecured loans, but it is discretionary: lenders have no right to it. There is no buyback and no insurance, and no recovery results are published. In plain words: property loans give real security, but how well it works in practice cannot be checked, because the platform reports no defaults at all.
Who runs it and its licence
eMoneyHub Limited (company number 08158588, England) is authorised by the Financial Conduct Authority to operate a peer-to-peer lending platform, firm reference number 787900, since 31 August 2017, and is registered with HMRC as an ISA manager. Lenders' money is held on trust in a protected client account at Barclays. Peer-to-peer loans are not covered by the Financial Services Compensation Scheme. A sister company, Moneybrain, has said that a crypto-token foundation lends its token proceeds through JustUs and uses the interest to support the token's value; Moneybrain itself did not obtain FCA registration for crypto-assets and registered in Jersey instead.
Fees
Lenders pay no platform commission. JustUs earns from borrowers: on recent property loans borrowers pay 14% to 15.5% a year while lenders receive 9.5%.
Getting your money out
The only way out before a loan ends is to sell it to another lender on the secondary market, and JustUs says there is no guarantee a sale can be found. Loans in arrears, loans kept up by a guarantor or the contingency fund, and loans with a month or less left cannot be sold. Moving an ISA out requires selling every loan first. Once a sale goes through, money can be withdrawn within 24 hours.
Our view
Return: Medium — a net annualised return of 8.63% on the whole book, though most grades earned far less than their targets in 2025-26. Risk: Low (higher means more risk) — the platform's own figure of no capital losses would on its own be the lowest level, Very Low; we set it one step worse, at Low, because a record of zero defaults since it started does not fit the low returns on several grades, its own loan book shows loans in recovery for years, and a related crypto-token foundation lends through it. Losses could be higher than reported. Risk-return: High — a medium return for low risk as the platform reports it; treat the zero-default record with caution.
Regulation
License / Regulation: eMoneyHub Limited (trading as JustUs, company number 08158588) is authorised by the UK Financial Conduct Authority, firm reference number 787900, since 31 August 2017, to operate a peer-to-peer lending platform. It is registered with HMRC as an Innovative Finance ISA manager. Peer-to-peer loans are not covered by the Financial Services Compensation Scheme.
Functionality
For Investors
Useful Information
Yes. eMoneyHub Limited, which runs JustUs, is authorised by the UK Financial Conduct Authority (firm reference number 787900) since 31 August 2017, and is an HMRC-registered ISA manager. Peer-to-peer loans are not covered by the FSCS.
Money waiting to be lent or paid out is held on trust in a protected client account at Barclays Bank, separate from the company's own money.
No headline minimum is published. The platform's own example spreads £100 per borrower, and moving an existing ISA in requires at least £1,000.
The statistics page shows 8.63% net a year on the whole book and £0.00 of capital losses (27 October 2026). But in the year to June 2026 most grades earned far below target, and the platform's own loan book lists 19 loans in recovery or kept up by others.
Most recent loans are secured on property with a first or second charge at 60% to 85% of its value. Older personal loans are unsecured or backed by a guarantor. A discretionary contingency fund may cover missed interest on unsecured loans. There is no buyback or insurance, and no recovery results are published.
Only by selling your loans to another lender, with no guarantee of a buyer; loans in arrears or kept up by a guarantor or the fund cannot be sold. Plan to hold loans to the end, 35 months on average.
Lenders pay no platform commission. JustUs earns from borrowers, who pay 14% to 15.5% on recent property loans while lenders get 9.5%.
If a borrower fails, JustUs chases the debt and, on property loans, can enforce the charge. If JustUs fails, it has a published wind-down plan for running off the loans; the FSCS does not cover peer-to-peer lending.
It reports none, but its own loan book (25 October 2026) shows 7 loans in recovery, some past their end date since 2017 to 2019, plus loans kept up by the contingency fund or guarantors, and 23 loans past their end date. The outcomes statement also leaves out contingency-fund payments.
