How Borrowing Works

Three simple steps to borrowing money with Just Value It.

At Just Value It, we know that when you need a loan quickly, the last thing you want is a drawn out process. So we’ve worked hard to develop a system that works for you. Just three straightforward steps that help you get on with your plans…

Three simple steps to borrowing money with JustValueIt1. Apply / Value

Use our simple online application process, request a callback or give us a call to apply. We’ll go through the details with you – we can discuss your asset and confirm it qualifies as equity – and afterwards, arrange delivery of your asset (at our cost) so that we can value it fairly. Alternatively you can deliver your asset to us. We provide a FREE, fully insured and highly secure courier service via Royal Mail and a personal collection service for more valuable items. Remember,  because you value it, we take care of it, so rest assured your asset will be safe with us at all times. After the valuation is complete, we’ll send you the loan offer electronically to save you time.

2. Accept / Receive

Take as long as you need to read the offer, but feel confident that, as soon as you accept it, things happen really quickly. Once we receive contractual acceptance of the loan offer, we will transfer the funds directly into your bank account. In most cases this will happen same day, and we guarantee a 24 hour fund transfer if everything is in order.

3. Repay / Return / Extend

We prefer to accept repayment via monthly recurring payments and offer a discounted APR to encourage this, promoting responsible lending. This keeps things simple and reliable for everyone. And you can relax knowing your interest repayments are being taken care of automatically. Once you’ve paid back your loan we will return your asset to you.

If you wish to pay back early, remember you can do this at any time without incurring any penalty. Alternatively, simply pay off any interest outstanding and extend your loan.

The Detail

Your items will remain in storage with Just Value It Ltd under secure conditions, until the loan is repaid. Once the loan has been repaid in full, it will be returned to you unconditionally and free of charge.

The loan term is for up to seven months. However you can pay back the loan against your items to Just Value It at any time during the seven months simply by paying off the loan amount and any outstanding interest due.

You will only pay interest due on the amount that is outstanding for the loan term e.g. should you pay the loan back to Just Value It in one month, then you will only pay one month’s interest on top of the original amount lent to you (loan principle). If you pay the loan back after two months, then you will only pay two month’s interest plus the loan principle and so on.

Just Value It has no hidden extra fees, charges or penalties for early redemption.

Standard Agreement

Alternatively you may also be able to renew the loan term at any time by simply paying off the outstanding interest due and starting again with a new loan contract against your items.

Discounted Monthly Agreement

You may be able to renew the loan term at any time by paying your interest monthly or simply by starting again with a new loan contract against your items.

Please call us now for a free, no obligation discussion about a loan on 0800 1699925 or ENQUIRE NOW and you could have the money in your account within 24 hours of the valuation being completed.
ENQUIRE NOW about a loanNo Age Restrictions- No Income Limits- No Credit Checks- Fast- Private- Secure Borrowing
Because you value it we care about it.