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Borrowers - Representative APR 504.7%.
Borrowers - Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

Investors - Investments not covered by FSCS. Capital is at risk. Actual return may be higher or lower.
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

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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

£100 to
Representative APR 504.7%

  •    5-minute application    
  •    Instant loan decision
  •    No hidden costs or fees
  •    Flexible repayments
  •    No early repayment fees
I want to Borrow
  • Ensure affordability to fully repay the loan on time before applying.

Lend

Lend money to borrowers on our platform

  •    Start investing from £1,000
  •    Investments auto-matched to borrowers.
  •    Short and medium term investment
  •    Click below to understand all risks & rewards of investing on our platform
I want to Lend
  • Issued loans are unsecured investments not covered by FSCS.
  • Capital is at risk.
  • Actual return may be higher or lower.
 
 

Smarter Peer-to-Peer Loans

Smarter
Peer-to-Peer Loans

 
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. Further details available on the borrow-page.
 
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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This blog aims to provide a common sense approach to the community to manage their personal finances better. It should not be treated as financial advice and it is not related to the regulated financial products offered by Fund Ourselves.
 

Is a loan right for you?

Is a loan right for you?

Smarter Peer-to-Peer Loans. There are no fees for applying.

  • 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 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.
  • 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. Provide the required information about yourself and your monthly income and expenses to assess your application for an instant decision.
  • 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 (documentation available by logging onto your online account) and everything from the application to funding can be completed in minutes.
    You will need to provide your details including how much you would like to borrow, your name, contact details, monthly income and expenses.
    Subject to the required credit/affordability/AML 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?

For further details please see our lending page.