Fund Ourselves

Apply for Short-Term Loans up to £1500

Representative 1,310.4% APR

Apply for Short-Term Loans up to £1500

How much do you need?
£100 £200 £300
£400 £500
£1000 £1500
Representative 1,310.4% APR.
Warning: Late repayment can cause you serious money problems. For help, go to
Representative example. Borrow £300 for 106 days. Interest rate 176% p.a. (fixed). Total amount repayable £452.97. Four repayments of aprox £113.24 each. Representative 1,310.4% APR

How Are Short-Term Loans from Fund Ourselves Different?

Fund Ourselves is proud to offer effective and fast short-term loans for borrowers with good and not-so-good credit scores. We are a team of passionate techies, credit geeks and innovators who have put together a smart peer to peer lending platform.
Our loans are funded by other individuals who are looking to invest money and get a return on investment – and we are able to match your loan requirements with someone who can lend to you.
We offer affordable short-term loans . Good credit score customers will usually have access to the lowest rates, but we also cater for people with not-so-good credit.
Fund Ourselves offers flexible short-term loans ranging from £100 to £1500 repaid over 4 to 6 months. We do not charge any upfront or hidden fees, and late fees. There are also no early repayment charges if you wish to clear your account early.
We are dedicated to helping you find the best short-term loans needed for every day emergencies and expenses and helping your overall financial wellbeing.

Why choose
Fund Ourselves?

  • - 5-minute application
  • - Instant loan decision
  • - No hidden costs or fees
  • - Flexible repayments
  • - No early repayment fees

  • Ensure you can afford to repay the loan fully and on time before applying.
Apply now
Application in 15 minutes

Can I Get Short-Term Loans with Bad Credit?

Yes, our panel of peer to peer investors are looking to offer loans to bad credit scores as long as the borrowers can afford to pay, hoping to access the highest returns on investment. So even if you have a poor credit history, you can still be successful in your loan application.
To be eligible, you will need to be over 18 years of age, a UK resident with a permanent address and have a stable income so that you can afford to repay on time every month. Our online loan application takes less than 15 minutes to be complete and you will receive an instant decision on the screen. If you are successful, your loan can be transferred to your bank account on the same day of applying.
Every loan application is subject to status, credit checks and affordability.

What are the Eligibility Criteria?

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

How Do Repayments Work for Short-Term Loans?

Your repayments are collected on a scheduled repayment date each month, as chosen by the borrower. Most customers will choose the day that they get paid from work, which is typically the last Friday or working day of the month.
Your repayments are collected in equal monthly instalments and we will send you a reminder on the days leading up to each collection. We collect funds through a process known as continuous payment authority which allows us to collect the amount owed automatically from your bank account. You do not need to call us up or make a manual payment since this is all taken care of. Simple.

How to Apply for Short-Term Loans Online?

Our entire loan application is completed online, 24 hours a day, 7 days a week.
You will be required to fill in a few basic details including your name, address, employment details and how much you would like to borrow.
We can check your eligibility in minutes and provide you with a provisional loan offer. If successful, we can provide funds to your bank account typically within 1 hour or the same day of applying.
Simply click on the apply now button below to get started.
Helps to improve my financial position and is flexible if needed
Borrow from £100 to £1500

How Much can I Borrow with Fund Ourselves?

Customers can apply to borrow £100 to £1500 repaid over 4 to 6 months in equal monthly instalments.
The amount you can borrow is based on your income and affordability and we will always run some basic checks to ensure that you can afford the right amount for you.
When you apply for a short-term loan, we will ask some basic details based on your monthly income and expenses – and this helps us determine how much you can borrow.

How Long does it Take to Get Funds?

Successful applications can be funded immediately or on the same day of applying. Upon completing an application, we can provide an instant decision based on your eligibility and criteria. In some cases, we may require further checks such as requesting a payslip or bank statement. The sooner you can get this back to us, the quicker we can transfer your funds.
We use a Faster Payment System (FPS) which facilitates payments to you as quickly as possible. In most cases, we are able to fund successful customers immediately or within 24 hours.
No hidden or upfront fees. I can repay early if I want to.

Why should I Apply for Short-Term Loans with Fund Ourselves?

Fund Ourselves is responsible short-term lender who is passionate about helping people improve their circumstances when they borrow.
We understand that a short-term loan can provide an important cash injection when you need it and give sound peace of mind. With no hidden or upfront fees, we want to offer financial products that are transparent and will help you with whatever circumstances you are facing. Customers have the option to repay early at any time, with no added fees and we can offer flexibility for those facing financial difficulty.
You can check your eligibility in just 5 minutes by clicking on ‘apply now.’

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.

Some Kind Words from Some of Our Customers


From the People to the People

How it works

FAQs about Short-Term Loans

FAQs about Short-Term Loans

  • Is Fund Ourselves a Direct Lender?
    Yes, Fund Ourselves is a direct lender so the entire loan application process is handled by us from start to finish. We will be your sole contact throughout your loan term, including any checks, funding and collections. Our team is on-hand to assist you every step of the way.
  • Are There Any Fees for Applying?
    No, we do not charge any fees for applying for a loan.
  • Will Getting a Loan Quote 
    Negatively Impact My Credit Score?
    Getting a loan quote goes through soft credit search which is not likely to impact your credit score (unless multiple soft searches are being carried out by other providers). However, if you decide to go ahead to accept the loan quote, just like any other loan provider, the updated status of the loan status will be shared with the credit reference agency, which may impact your credit score.
  • Do I Need a Guarantor To Apply?
    No, loans from Fund Ourselves are unsecured and you do not require a person to act as a guarantor in order to be approved.
  • Can I Repay My Loan Early?
    Yes, you have the option to repay your loan early at any point. To repay in full, you can simply log into your account or contact our customer services team who will process this for you.
  • Can I Apply for a Short-Term 
    Loan on Benefits?
    No, we require customers to be earning a regular source of income to be eligible for a short-term loan.
  • Can I Apply if I am Self Employed?
    Yes, you can apply if you are self-employed, a sole-trader, freelancer or consultant. We may just require proof of income, but you will not be treated any differently to a regular customer.
  • What Happens if My Loan is Declined?
    If your loan quote is unsuccessful, there will not be any fees, charges or likely to be a negative impact to your credit score due to soft credit search. If you still decide to go ahead and your application is unsuccessful, just like with any other loan provider, the result of the unsuccessful application will be shared with the credit reference agency which is likely to impact your credit score.