Our Innovative Finance ISA (IFISA) offers a return from 5% to 15% per annum – and you can use your ISA allowance to earn up to £20,000 completely tax-free. Actual return may be higher or lower and capital is at risk. Investments are not covered by the FSCS.With Fund Ourselves, you can invest in a number of borrowers looking for short term and medium-term loans and earn 5% to 15% per annum – and start with an investment of just £1,000.Track results using our online portal. Create an account and start earning today!

What is an Innovative Finance ISA?

An innovative finance ISA allows you to use your (tax free) ISA allowance while you invest in peer to peer investments.The UK government offers an ISA allowance of up to £20,000 so that anything you earn up to this amount through ISAs is completely free of tax.Our innovative finance ISA works by lending money to other borrowers and then offering an attractive rate of interest. This amount is calculated on the length of time you are willing to leave your money untouched in the innovative finance ISA (up to 12 months). Please see our investment estimate by risk level and outcome statement from here.Similar to peer to peer lending, you will invest in multiple individuals (and bid against other potential investors) and the borrowers will pay you interest each month, as though it were a normal loan. See the details from Provision Fund Policy. We are not backed by the Financial Services Compensation Scheme so we minimise your risk by investing in a pool of borrowers using Auto-Match™. We also have our own provision fund in place which aims to reimburse investors in case of defaults subject to the availability of funds and ensure they are able to earn the maximum expected return.

Why Invest with Fund Ourselves?

Fund Ourselves Innovative Finance ISA is likely to provide better return than the low risk and low yielding cash ISAs and is likely to be more stable than the volatile, high return stocks and shares ISAs. Please see our investment estimate by risk level and outcome statement from here. Past performance is not indicative of future results.

Start with £1,000

Invest as little as £1,000 and you can choose to increase this at any point. Your money will be lent out to a number of different borrowers who have applied for loans and have passed strict credit and affordability checks by our team.

Tax-free

Depending on your ISA allowance, you may be able to earn returns up to £20,000, completely free of tax. You may only have one Innovative Finance ISA account open to be eligible and this will be confirmed when you apply.

High returns

We offer ISAs with high returns, where investors can earn from 5% to 15% by lending money out to people with poor credit. Your investment is spread across multiple borrowers and you will earn interest each month when the customer repays, just like a typical loan. See outcome statement.

Easy matching

We use Auto-Match™ to match your investment with borrowers that meet your level of risk. You can earn 5% to 15% per annum depending on what risk criteria you to choose to lend to people with.

Robust Credit and Affordability checks

We ensure that every borrower will undergo credit and affordability checks prior to funding and any bad debts are followed up by customer service team to maximise your full return. Please see our investment estimate by risk level and outcome statement from here. Past performance is not indicative of future results.

Monitor your progress

Our analytics tool allows you to log in and monitor your progress and returns at any time. You can check your balance, invest more or withdraw funds.

Innovative Finance ISAs – Frequently Asked Questions

Is My Money Protected?

Fund Ourselves is not covered by the Financial Services Compensation Scheme but has its own provision fund in place which aim to cover investors from their principal investments subject to the availability of funds.
See the details from Provision Fund Policy. Any loans that are not repaid on-time are classified as bad debt and will be followed up by our customer service team to help recover loss of funds.

Can I Choose Who I Lend to?

Your each individual investment is spread across a number of borrowers using Auto-Diversify™. Every individual borrower is held anonymous and each investment is typically spread across 10 borrowers to diversify your portfolio.You can select a classification of risk – whereby lending to people with good credit will offer returns of around 5% per annum and lending to poor credit customers offers returns of 5% - 15% per annum.

Can I Have More Than One ISA Open?

You can have multiple ISA accounts open, but you are only able to save into one account per year. This will be checked and confirmed upon registration.

Can You withdraw you investment at any Time?

At any time, you can withdraw your investments that are not lent out and waiting in our lending pool. You can also request to withdraw your investment lent out to borrowers. You will become ineligible to earn interest after making the withdrawal request. The withdrawal process may take some time to complete. You will start receiving the investment back once the lent-out investments are completed, transferred to another lender or purchased by the provisional fund.