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Fund Ourselves

Invest and lend to our customers directly

Invest in short-term to medium-term loans and make great returns and help others.

Invest and lend to our customers directly

Invest in short-term to medium-term loans and make great returns and help others.
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ISA
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. Your actual return may be higher or lower and capital is at risk. Your investment is not covered by the FSCS.

 
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. Your actual return may be higher or lower and capital is at risk. Your investment is not covered by the FSCS.

Great interest
Earn from 5% to 15% p.a. [1]
Analytics
Easy to use analytics portal
Accessible
Start investing from £100
Tailored
Choose your own return
Speed
Short-term to medium-term investment
Flexibility
Flexible investment terms
[1] For investments active on the platform and continuously lent out over a 12 month period. You can earn up to 15% p.a. if you choose the 15% return assuming no defaults and continued lending over a 12 month period. Actual return may vary depending on pool time and loan defaults. See Dealing with Defaults for more details.

How lending works at Fund Ourselves?

At Fund Ourselves you lend directly to people who have applied for a loan on our platform. They get the funds they need, and you can earn attractive returns as they pay you back each month.
We have two types of accounts, normal and IF ISA. They work in the same way, however the IF ISA account allows you to earn interest tax-free. Your tax-free entitlement depends on your circumstances and may change.
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Investor benefits

Provision fund cover
If a borrower defaults on his/her payment, we will report the non-payment as bad debt and aim to reimburse you for the principal investment lost if no repayment is made within the pre-selected grace period after the due date. This is not a guarantee however; we aim to reimburse all our lenders for their principal losses subject to fund availability. See "Dealing with Defaults" for more details.
Hassle free investment via Auto-Diversify™
Each investment will go to at least 10 borrowers to automatically diversify your portfolio.
Easy to use Auto-Match™ feature
We will automatically match your investment based on your pre-selected interest rate to matching borrowers within the interest rate risk zone.
Short-term to medium-term lending and investment flexibility
Due to the short-term to medium-term nature of our loans, there is no requirement for long term commitment.
Higher returns by direct lending

How it works?

1. Create an investment, 2. Make an investment, 3. Select the Return, 4. Investment Pool, 5. Money Lent Out, 6. Paid or Reinvested 1. Create an investment, 2. Make an investment, 3. Select the Return, 4. Investment Pool, 5. Money Lent Out, 6. Paid or Reinvested
 
[2] If a borrower defaults on his/her payment, we will report the non-payment as bad debt and automatically reimburse you for the principal investment lost if no repayment is made within the pre-selected grace period after the due date. This is not a guarantee however, we aim to reimburse all our lenders for their principal losses subject to fund availability. See Dealing with Defaults for more details.
 

 
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