CUJ Loans Review (cuj.com) 2025: Is it Worth it?

CUJ Loans offers quick cash solutions in the UK, but unclear terms and high interest rates make careful consideration essential before applying.

CUJ Loans is a UK credit broker (via Upward Finance Ltd) that connects borrowers with lenders, but its APR can be as high as 1721%, making it costly.

With limited transparency on fees and terms, borrowers may find better alternatives through credit unions, government schemes, or banks offering clearer and lower-interest options.

Key Takeaways

• High Interest Rates: CUJ Loans’ APR can reach up to 1721%, making it expensive for borrowers.
• Limited Transparency: Key details like fees, eligibility, and loan terms are not clearly disclosed.
• FCA Authorization: Operates as a credit broker authorized by the FCA through Upward Finance Ltd.
• Alternatives: Consider credit unions, government assistance programs, or small banks for lower interest rates and better transparency.

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If you are looking for a short-term cash loan in the UK, CUJ Loan can be one of the options available online.

But before taking a loan, it is suggested to investigate its main website and check the reviews of the customer who has taken their services. Applying for a loan from a legit platform is essential to avoid any other financial loss.

In this article, I will provide you with a short description of the CUJ loans review. Understand all the pros and cons, interest rates, and the services they offer.

Don’t run behind the fascinating offer from the company. Generally, it can be a trap for the innocent customer.

CUJ Loans Website Overview | Is CUJ loans legit?

The official website provides a general overview of their services, but the essential details are missing

• Loan Products – The website mentions available loan options but lacks clear information about the loan amounts, repayment terms, and eligibility requirements.
• Interest Rates – For example, an APR of 49% is provided, but there is no clear breakdown of interest rates for different loan amounts.
• Fees – The absence of a fee list makes it difficult to determine the overall cost of taking out a loan.

This lack of transparency regarding loan terms raises concerns about their authenticity. Customers should be fully informed of all associated fees before applying for a loan.

Benefits of CUJ Loans

Quicker Access to Cash

CUJ Loans act as a network between borrowers and lenders who may approve loans faster than traditional banks, making it a convenient option for those in need of quick cash.

FCA Authorization

CUJ Loans operates as a registered trade name of Upward Finance Ltd, which is an introducer and appointed representative (IAR) of a credit broker known as Flux Funding Limited. This affiliation ensures that they adhere to the regulations set by the FCA. Lemon Loans Review

Cons of CUJ Loans

Limited Transparency

CUJ Loans lacks clear information about key aspects of its services, making it difficult for potential borrowers to trust their platform.

Here are some of the reasons why it is difficult for the customer to trust:-

• Loan Products – The website does not provide details about loan amounts, repayment durations, or any eligibility criteria.
• Interest Rates – While the website mentions an APR of 49%, it does not clarify whether this rate varies based on different loan amounts, making it difficult for customers to estimate the total cost of borrowing.
• Fees – There is no mention of pre-approval fees or late payment fines, leaving borrowers unsure about extra costs.

High interest Rate

CUJ Loans offers small loans that could come with a high price interest rate. The APR can range up to 1721%, making CUJ Loans one of the more expensive short-term borrowing options available in the UK.

Debt Risk

Borrowers with limited repayment capacity may fall into a debt cycle, especially when borrowing small sums with high interest.

Customer Feedback

User reviews online suggest that while CUJ Loans is quick in processing applications, customer satisfaction tends to be average.

Common remarks include:

• Quick approval, but expensive.
• Didn’t explain full costs upfront.
• Customer support was okay, but the terms were unclear. Read about Loan Circle Review

CUJ Loans Quick Overview

Loan Feature	Details
Loan Amounts	£50 to £5,000
Repayment Terms	3 to 36 months
Representative APR	49%
Interest Range	9.3% – 1721% APR
Example Loan	Borrow £1,200 over 18 months → repay £1,628.28 (£428.28 interest)
Type	Credit Broker (not a direct lender)
Regulation	FCA Registered via Upward Finance Ltd

Key points to Check before applying

High Interest Rates

The possibility of the APR reaching up to 1721% is a significant concern for borrowers.

Transparency Issues

The website provides only a single cost example, with no comprehensive list of interest rates for various loan amounts and repayment terms, making it difficult to assess different borrowing scenarios.

Credit Checks

Agreeing to a loan deal with the lender will result in a hard credit check, which could negatively impact your credit score.

Borrowing Responsibly

The website includes a warning about the consequences of missing payments, emphasizing the importance of timely repayment.

CUJ Loans as a Credit Broker

CUJ Loans acts as a credit broker, connecting borrowers with lenders from Flux Funding’s panel. They are not direct lenders themselves.

FCA Authorization

CUJ Loans claims to be a licensed credit broker, authorized by the FCA through Upward Finance Ltd. This can be verified on the FCA register.

Some Alternatives  of CUJ Loans

As a financial advisor, I would recommend researching transparent and regulated lenders before applying to CUJ Loans. Consider these alternatives:

Credit Unions

• Lower interest rates (typically 12%–42% APR)
• Flexible repayment terms
• Ideal for those with bad credit

Government Assistance

Several UK programs offer emergency financial support or budgeting loans through Universal Credit or Jobcentre Plus.

Debt Management Organisations

If you’re already struggling with repayments, speak to StepChange or MoneyHelper for free debt advice.

Small Banks or Building Societies

Some small regional banks offer short-term personal loans with fixed low interest rates.

Trusted Private Lenders

If borrowing from an individual, ensure there’s a written legal agreement to protect both parties.

CUJ loans contact number

If you have any queries regarding their service, you can contact the customer on the Number and email address provided below. Also, you can visit the address for further information.

• Email – [email protected]
• Phone: 0800 409 6106
• Address: 7 Bell Yard, London, England, WC2A 2JR

CUJ Loans vs Credit Unions vs Banks

Feature	CUJ Loans	Credit Union	Bank Loan
APR	49%–1721%	12%–42%	9%–24%
Transparency	Limited	Clear	Clear
Loan Size	£50–£5,000	£100–£7,500	£1,000–£25,000
Ideal For	Short-term need	Low-income borrowers	Salaried individuals
FCA Authorised	Yes	Yes	Yes
Direct Lender	No (Broker)	Yes	Yes

CUJ Loans may be a legit broker authorised under FCA rules, but its lack of transparency, high interest rates, and unclear terms make it risky for new borrowers.

If you urgently need funds, explore safer, low-interest alternatives such as credit unions or government-backed programs first.

Conclusion

CUJ Loans is a licensed credit broker, but its limited transparency and high APRs raise valid concerns. Before applying, always check the FCA register, compare lenders, and ensure you understand total repayment costs.

Understanding the borrowing system, interest rate, terms, and conditions is important, especially if you are not in the financial field. Read about Tendo Loan Review.

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Always consult a qualified financial adviser before making any borrowing decisions.

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