Fund Ourselves

Payday Loans Alternatives from £100 to £1500

Representative 504.7% APR
Find out more about Fund Ourselves alternative to a bank overdraft

Payday Loans Alternatives from £100 to £1500

How much do you need?
£100 £200 £300
£400 £500
£1000 £1500
Representative 504.7% APR.
Find out more about Fund Ourselves alternative to a bank overdraft
Warning: Late repayment can cause you serious money problems. For help, go to www.moneyhelper.org.uk.
Representative example. Borrow £200 for 122 days. Interest rate 211% p.a. (fixed). Total amount repayable £286.82. Four repayments of £71.71 each. Representative APR 504.7%

What is a Payday Loan?

Payday loans refer to borrowing a few hundred pounds, receiving the money upfront and repaying the full amount on your next payday, usually the last Friday of the month. This can give the borrower an important injection of cash to help pay for any pressing bills and emergencies.
However, the pressure to repay the loan in full on your next payday can add a lot of unwanted financial stress, repeat borrowing and a dangerous spiral of debt.
As payday lenders continue to come under fire by regulators and the media, more and more people are seeking payday loans alternatives and Fund Ourselves is delighted offer a viable alternative to its customers.

How is Fund Ourselves Different?

Fund Ourselves offers short term loans from £100 to £1500 and you can choose to repay over 4 to 6 months.
Putting our customers first is at the heart of what we do. Not only are our rates lower than traditional payday loans, we offer no upfront fees, no late fees and a 12-month loan extension if need be.
We also offer free early repayment, so if you find that you are in a financial position to repay your loan early, you can do so, and you will not be charged any additional interest. In fact, you may save money overall, since your loan is accruing less interest.
Our model is powered by intelligent peer to peer lending – where the loans are funded by other people who are looking to invest and earn a return. This means that we can offer more flexible loan terms and those with better credit histories can be rewarded with lower rates.
You can apply online 24 hours a day, 7 days a week by desktop, mobile or tablet. Our application takes less than 15 minutes to be completed and you will receive an instant decision on the screen letting you know if you have been successful or not. We will carry out a few internal checks and if successful, your loan will usually be funded on the same day of applying.
We are a direct lender meaning that the entire loan process is managed by the Fund Ourselves team from start-to-finish. Whether it is the application, the checks, the funding and repayments – it is all carried out by our team. You have peace of mind knowing that your information will not be passed onto any other companies and there are no other middlemen or hidden fees involved. Simple.

Why choose Fund Ourselves?

  • - 15 minutes application / instant decision
  • - Money in account in the same day
  • - Flexible repayments
  • - No early payment fees
  • - No hidden costs / No hidden fees
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Application in 15 minutes

What are Payday Loans Used for?

Payday loans are commonly used for household bills and unexpected emergencies. When people are in between payment cycles from work and their next payday is just a little too far away, payday loans offer an effective injection of cash to pay off any emergency bills. This includes things like broken boilers, plumbing problems, car repairs and other pressing bills.

Am I Eligible?

  • -Over 18 years of age
  • -Full-time UK resident
  • -Employed and earning a regular salary
  • -Valid UK bank account, mobile phone and email
  • -No guarantor required
  • -Bad credit considered
  • -Can afford to repay
  • -No recent CCJs, IVAs or bankruptcy
I get a reminder that a payment is about to made

How Do Repayments Work for Payday Loans?

Repayments are collected each month on a scheduled repayment date. This is often a date selected by the borrower when they receive their next pay cheque from work e.g. 25th, 30th or last working Friday of the month.
Payments are collected in equal monthly instalments and you will receive a reminder on the days leading up to each repayment.
Funds will be collected automatically using a process called continuous payment authority, which ensures an automatic collection from your bank account. The process is simplified so you do not need to call up or make a manual payment online.
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What Happens if I Cannot Repay?

Fund Ourselves is dedicated to helping people to improve their financial position. In the event of non-repayment, we may review and consider providing an extension of up to 12 months with no added fees. Please note that failing to make payment on time may impact your credit rating.
Helps to improve my financial position and is flexible if needed
Borrow from £100 to £1500

Is a Payday Loans Right for Me?

A payday loan can offer an important injection of cash when you have an emergency expense.
When deciding if it is right for you, you will need to consider the nature of your emergency. In some cases, a payday loan is effective because it can offer an immediate solution, with funding often available within 1 hour or the same day of applying. You may not need the loan for the entire month or 3-month duration, in which case many people choose to repay early.
However, payday loans can be more expensive than other types of credit, which is why you should always consider your options. Fund Ourselves is proud to offer a more low-cost alternative and the ability to help people with financial emergencies when they need it.
Importantly, this type of credit is not right for you if it is for non-emergencies or to assist with a long-term financial and debt problems.
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What Should I Consider Before I Apply?

When you apply for a payday loan, you need to consider if there are any low-cost alternatives such as using an alternative lender such as Fund Ourselves or borrowing from family and friends.
Payday loans are more expensive that borrowing through credit unions or credit cards and it is important to consider how you are going to repay, whether it is using your income from work or from elsewhere.
Failing to repay on time can incur additional fees and negatively impact your credit score – so knowing how you are going to repay your loan on time is always essential.
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How to Apply for a Payday Loan Alternative with Fund Ourselves

Our application is completely online and takes just 15 minutes to be complete. We require a few quick details about yourself and how much you would like to borrow. We offer an instant decision on screen and subject to further checks, we can provide approval and funding within 1 hour or the same day of applying.
To get started, simply click on the ‘apply now’ button below.
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Eligibility for loans from Fund Ourselves

Fund Ourselves operates on the same basic eligibility criteria that Quick Quid used when accepting applications. To apply for a loan with Fund Ourselves you must be at least 18 years old, live in the UK and have a bank account. You’ll also need a mobile phone and agree to a credit and affordability check.
This ensures you can comfortably afford to pay back what you owe, lowering the risk of financial difficulties later. If you tick all these boxes then you can apply for a loan with Fund Ourselves however being eligible doesn’t guarantee that your application will be accepted.
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