The purpose of the Brilliant: 2023 Savings Challenge is to support you in your financial goals. If you can't make a full payment for this challenge, no worries. All disbursements will be made on Wednesday, June 7. On that day, we will pay out, or disburse, only what you have paid for your savings goal.

We love your initiative! Of course. You can make payments in excess of your weekly payment if you want to save more. Your total payments will be disbursed on Wednesday, June 7.

No, you can only participate in one - either the 8-week or the 4-week challenge.

No. If you are an existing JUST client you know that our loans are based on an important co-borrower relationship. However, this savings challenge will be offered to individuals in order to offer the opportunity to as many people as possible. We will save together as a community and encourage each other to reach our savings goals.

New clients

Thank you for your interest in joining our community! To participate you only need to join through this form, in which you will receive a JUST ID number and password to enter our portal and fill out the Brilliant: 2023 Savings Challenge form. As part of the process we ask for your ID and proof of address in order to disburse your savings to your bank account or prepaid card.

Existing Customers

The process of the Savings Challenge is inside your JUST portal. Follow the "Great Savings Challenge" button where you will find the options menu to get started.

New clients

The only requirement to participate in the JUST Great Savings Challenge is to complete our application which includes uploading your photo ID, proof of address and a short survey. This information is required in order to disburse your savings to a bank account or prepaid card.

Existing Customers

The only requirement to participate in the JUST Great Savings Challenge is that your JUST loans need to be up-to-date.

Disbursements for both challenges (4 weeks and 8 weeks) will be paid out on Wednesday, June 7, one week after the last payment.

Savings will be disbursed via bank transfer (ACH) or prepaid card. We offer a physical or virtual prepaid card option. Physical cards take 7 to 10 business days to receive by mail at your address. Virtual cards are available the same day of disbursement and funds can be transferred to a bank account in your name or used to make virtual payments.

Making Payments

Payments are made through the Pay Near Me service, which accepts cash payments within 7-11 chains and other branches. There is a charge to make cash payments.

Receiving Savings

We offer the physical or virtual prepaid card service. Physical cards take 7 to 10 business days to receive by mail at your address. Virtual cards are available the same day of disbursement and funds can be transferred to a bank account in your name or used to make virtual payments.

Payments are made through the Pay Near Me service, which accepts account-to-account (ACH), debit card, and cash payments. Depending on the method of payment, there are additional charges.

No, the Savings Challenge product is not available to report to credit bureaus. Credit bureaus need a minimum of 3 months of payments to count towards your credit score. The duration of the JUST Great Savings Challenge is only 8 or 4 weeks and does not meet the minimum criteria.