Important Update for JUST Members  — End-of-Year Early Renewal Policy

We are excited to share a significant new benefit for Wealth Club members. No action is required at this time — this communication is intended to provide advance awareness of a change coming later this year.

What's Changing

JUST observes an annual disbursement closure from mid-December through early January to support fiscal year-end processes. This year, the End-of-Year Early Renewal Policy is changing.  This benefit will now be exclusive to Wealth Club JETAs and their group members. 

Non-Wealth Club members are no longer eligible for early renewal. Those with a renewal date falling within the closure period will need to wait until January 13, 2027, to renew.

When is this happening?

Here are the important dates for this year's early renewal cycle:

• November 18 — Last day to pay off current loan

• November 20 — Renewal offers sent to eligible members

• December 4 — Deadline to complete renewal application

• December 9 — Final disbursement of 2026

• January 13, 2027 — Disbursements resume

Please note that no disbursements will be processed between December 9, 2026 and January 13, 2027.

Additional Eligibility Notes

• Members cannot be in their first JUST business loan

• Members at the $7,500 loan level cannot transition to a $15,000 Growth loan through early renewal — this must occur during regular operations in January

• Missing the early renewal deadline does not affect a member's Wealth Club status

Please direct any questions to customer support.