Fund Ourselves

Invest in an ISA with Fund Ourselves and Earn up to 15% per annum

Invest in an ISA with Fund Ourselves and Earn up to 15% per annum

Fund Ourselves offers an ISA where you can earn 5% to 15% by pooling your investment over a number of short-term and medium-term borrowers. Starting investing today with just £100 over 12 months.

What is an ISA?

An ISA is an ‘individual savings account’ that allows you to put money into a savings product and any interest that you earn is tax-free. Unlike a regular savings account where you are charged interest on your savings, ISAS come with a tax-free allowance by the UK government, which is currently up to £20,000 worth of savings per tax year.
Fund Ourselves offers an ISA which is tax-free, depending on your circumstances, check your eligibility for more information. We use Auto-Match™ to pair your investment for other borrowers looking for short-term and medium-term loans. You choose what level of risk that you would take to and we will offer returns of 5% to 15% per annum.

Why Use ISAs from Fund Ourselves?

Fund Ourselves specialises in peer to peer investments and is able to offer more attractive returns than standard Cash ISAs. Using auto-matching technology and working with a pool of borrowers, we can help you maximise your return on investment, provide simple reporting and protection for your savings.

Start with £100

You can get started today by investing as little as £100 per year - and you have the option to increase this at any time. Your money will be invested across a number of different borrowers who have passed credit and affordability checks to borrow up to £500 over a maximum of 12 months.

Tax free

You can use your ISA allowance of currently up to £20,000 so that any future earnings are tax-free. This may depend on your circumstances and what other products that you have open. We can check your eligibility when you create an account.

Diversified

We use Auto-Diversify™ to spread each investment over different loans and borrowers – and you can also choose one single investment or multiple investments. We have a customer support team in place to follow up on any arrears and maximise your full returns.

Protected

Our investments are not covered by FCSC but we have a ‘Provision Fund’ in place which aims to reimburse our investors subject to the availability of funds. Our customer support team follows up on any defaults.

Easy reporting

Our easy-to-use reporting tool allows you to log in any time to see your current pool of investments, your earnings, returns and withdrawals.

Start with £100

You can get started today by investing as little as £100 per year - and you have the option to increase this at any time. Your money will be invested across a number of different borrowers who have passed credit and affordability checks to borrow up to £500 over a maximum of 12 months.

ISA Frequently Asked Questions

Will I Receive a Fixed Rate?

No, we do not offer a fixed rate Cash ISA, but we are able to identity and manage risk classifications effectively to ensure you earn as close to the guaranteed interest rate as possible.

Can I Choose Where My Money is Invested?

Yes, you can choose the risk classification to determine whether you lend to people with good or poor credit scores. Our Auto-Diversify™ will divide each individual investment across multiple borrowers. A single borrower cannot gain more than 10% of each individual investment.

Can I Withdraw my Investment Early?

Yes, you may request to withdraw your funds at any time. When a withdrawal request is submitted, the investment is placed on the secondary marked which takes place once every day. The funds will then be made available and transferred to your bank account as soon as your investment is sold to another matching investor. To earn the full interest, you may need to have the account open for the entire loan term of up to 12 months.
Apply now