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Fund Ourselves

Welcome to Fund Ourselves

The smarter way to borrow...
...a new way to invest.

The one place to invest and borrow directly from each other at a fair rate. Quick and hassle free. Funding, from the people to the people.
I want to Borrow
I want to Lend

Excellent

Excellent
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Welcome to Fund Ourselves

The smarter way to borrow...
...a new way to invest.

The one place to invest and borrow directly from each other at a fair rate. Quick and hassle free. Funding, from the people to the people.
I want to Borrow
I want to Lend
 
 

Borrow

Borrow from

£100 to

  •    Money in your account instantly   
  •    5-minute application / instant decision
  •    No hidden costs / no hidden fees
  •    Flexible repayments
  •    No early repayment fees
I want to Borrow
Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk
When taking out a loan please be sure that you can afford to repay the loan.
Click here to compare our loans

Lend

Earn

up to 15% p.a.

  •    Start investing from £1,000
  •    Choose your own return
  •    Short and medium term investment
  •    Flexible investment terms
  •    Provision fund cover   
I want to Lend
After selecting your interest rate and risk zone, your investment will be matched automatically to matching borrowers who pass our strict credit scoring and affordability checks. Issued loans are unsecured. Actual return may be higher or lower and capital is at risk. Investments are not covered by the FSCS.
 
 

Smarter Peer-to-Peer Loans

Smarter
Peer-to-Peer Loans

 

Simple

Simple

Fast

Fast

Transparent

Transparent

Reliable

Reliable

Our peer-to-peer loans allow people of all credit histories to get access to the funds they need. Customers can apply to borrow £100 to repaid over 4 to 6 months, in equal repayments. Our flexible terms mean that there are no late fees and we will always work with our customers to minimise default or bad debts.
Our innovative lending platform means that multiple factors are taken into consideration when applying – and we are pleased to offer an affordable solution for those looking for peer-to-peer loans with bad credit.
Our online application takes less than 15 minutes to be complete and if successful, customers can have access to funds in their bank account in 1 hour or on the same day of applying. There are no fees for applying and completing an application will not impact the customer’s credit score .
 
I want to Borrow
I want to Lend
 
 
 
 

How it works

How it works

From the people to the people
 
How it works
How it works
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Innovative Finance ISA

Fund Ourselves Innovative Finance ISA (IF ISA)

Fund Ourselves Innovative Finance ISA (IF ISA)

Fund Ourselves now offers IF ISA investment accounts for lenders. Earn up to 15% p.a. tax-free interest on your short-term peer-to-peer investment. Start investing now from £1,000 and up to your £20,000 annual tax-free ISA allowance. You can also transfer your previous years ISAs to Fund Ourselves.
Please note that the tax treatment depends on the individual circumstances of each client and may be subject to change in future. Please check the HMRC Website or seek professional advice.
 
 
Fund Ourselves now offers ISA investment accounts for lenders. Earn up to 15% p.a. tax-free interest on your short-term peer-to-peer investment. Start investing now from £1,000 and up to your £20,000 annual tax-free ISA allowance. You can also transfer your previous years ISAs to Fund Ourselves.
Please note that the tax treatment depends on the individual circumstances of each client and may be subject to change in future. Please check the HMRC Website or seek professional advice.
Learn more about our IF ISA
 
 

Is a loan right for you?

Is a loan right for you?

Smarter Peer-to-Peer Loans. There are no fees for applying and getting a loan quote will not impact your credit score.

  • How Do Peer-to-Peer Loans
    Work From Fund Ourselves?
    Our peer-to-peer loans allow people of all credit histories to get access to the funds they need.
    Customers can apply to borrow £100 to repaid over 3 months, in equal repayments. Our flexible terms mean that there are no late fees and we will always work with our customers to minimise default or bad debts.
    Our innovative lending platform means that multiple factors are taken into consideration when applying – and we are pleased to offer an affordable solution for those looking for peer-to-peer loans with bad credit.
    Our online application takes less than 15 minutes to be complete and if successful, customers can have access to funds in their bank account in 1 hour or on the same day of applying.
    There are no fees for applying and getting a loan quote will not impact the customer’s credit score.
  • How Much Can I Borrow from
    Fund Ourselves?
    You can apply to borrow £100 to £500 repaid over 4 monthly instalments. The amount you can borrow is based on your income, credit status and affordability. During the application process, we will ask a few basic questions about your monthly income and expenses and this allows us to determine the perfect amount for you to borrow.
  • How Long Does it Take To
    Receive Funds?
    Successful applicants can often receive funds to their bank account within 1 hour of approval. Funds are sent via a faster payment service (FPS) so that you can receive money quickly, especially in the event of an emergency.
  • How Do Repayments Work?
    Repayments are collected from your bank account in equal monthly instalments, repaid over 4 to 6 months. You can schedule a repayment date on a day that suits you, with most customers choosing the last working day of the month, since this is when they get paid from work.
    You always have the option to make an early repayment and will often save on interest charges when doing so.
  • How Can I Apply for a Peer-
    to-Peer Loan?
    Very simple. Our entire application is online from start to finish - there is no paperwork involved and everything from the application to funding can be completed in minutes.
    We require a few basic details including how much you would like to borrow, your name, contact details, monthly income and expenses.
    Subject to some further checks, we will aim to process your application as quickly as possible and if successful, money can be transferred to your account within 1 hour or the same day of applying.
 

Is investment right for you?

Is investment right for you?

Peer to Peer Investing - Earn 5% to 15% Per Annum

  • What Am I Investing in?
    Fund Ourselves invests in borrowers who are looking for short term loans of £100 to .
    Your investment is spread across a pool of anonymous borrowers - and you can diversify your risk by investing in people with good credit scores (offering around 5% per annum) or bad credit scores (offering up to 15% per annum).
  • How Much Interest Can I Earn?
    Our investors can use our peer-to-peer lending platform to earn between 5% and 15% per annum, with the option to invest in people with good credit and bad credit scores.
    Ideally, your investment needs to be locked in for a period of 1 year to maximise your returns.
  • How Much Can I Invest?
    There is no limit to the amount that you can invest.
  • Can I Use My Innovative
    Finance ISA?
    Yes, and this means that any earnings up to £20,000 will be tax-free (based on 2019/20).
  • Is Peer-to-Peer Lending Safe?
    Yes, we are regulated and authorised by the FCA to uphold the highest standards for borrowers and investors.
    Every borrower is cross-checked to confirm their creditworthiness, affordability and ability to repay their loans on time.
    For those customers that have difficulty repaying, we have a customer service team to follow up on any outstanding debts.
    Fund Ourselves also has a provision fund in place, which is made up of the loan interest and serves to reimburse you for any principal losses if the borrower does not repay on time.
  • Is Peer-to-Peer lending
    coveredby the FSCS?
    No, peer-to-peer lending is not covered by the Financial Services Compensation Scheme, but we have a number of procedures in place to recover any loss of earnings. This includes the use of a customer service team to follow up on outstanding repayments and a provision fund to reimburse investors for any losses.