⚡ Fast decisions · FCA regulated

Short term loans made simple

Borrow £50 to £1,200 and repay over 4 to 6 months. Transparent rates, no hidden fees, and a decision in minutes.

Apply now → Calculate repayments
£50–£1,200Loan range
4–6moRepayment term
0.8%Max daily rate

Calculate your loan

Adjust the sliders to see your estimated monthly repayment.

Loan amount£500
Repayment term4 months
£145
estimated monthly repayment

Representative 211% APR (fixed). Estimate only — your rate may vary. Late repayment can cause serious money problems.

Check eligibility — no credit score impact
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FCA Authorised (No. 729238)
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No hidden fees
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Decision in minutes
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Same-day funding
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0.8% max daily rate
How it works

Four simple steps to your loan

Our online process is quick, secure and designed to give you a fair decision fast.

1
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Apply online

Complete our short application form in around 5 minutes. Tell us how much you need and for how long.

2
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Eligibility check

We run a soft credit check — no impact on your score. We assess your affordability fairly and transparently.

3
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Instant decision

Get a loan decision in minutes. We'll show you the exact cost before you sign — no surprises.

4
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Receive your funds

Once approved and signed, money is transferred to your bank account — often the same day.

Our products

Choose the loan that fits

Whether you need a small payday top-up or a larger short term loan, we have an option for you.

Payday Loan

£50–£500
Short bridge until payday
  • Borrow from £50 to £500
  • Repay over 4 months
  • Fixed daily rate 0.8%
  • No early repayment fees
  • Decision in minutes
Learn more

Short Term Loan

£100–£1,200
More flexibility, same transparency
  • Borrow up to £1,200
  • Repay over 4 to 6 months
  • Fixed monthly instalments
  • No hidden fees or charges
  • Same-day funding available
Learn more
Who can apply

Loans for real financial situations

Life doesn't always go to plan. Fund Ourselves is here when you need a short term financial bridge.

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Unexpected bills

Car repairs, boiler breakdown, or an urgent home expense — get funds fast when it matters.

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Between paydays

Need a short bridge until your next salary? A payday loan could help cover the gap.

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Avoid bank charges

A short term loan can be cheaper than a bank overdraft or credit card cash advance.

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Home essentials

Appliance replacements, essential repairs or other household costs you can't delay.

£1,200
Max loan
0.8%
Max daily rate
£15
Max default fee
100%
Max total cost cap
Why Fund Ourselves

Transparent by design

We built Fund Ourselves on a simple principle — you should always know exactly what you're paying before you commit.

Customer reviews

What our customers say

Thousands of UK borrowers have used Fund Ourselves for fast, fair short term credit.

★★★★★

"Quick, easy and exactly what I needed. Applied in the morning and had the money by the afternoon. No unexpected charges — total cost was exactly as shown."

Daniel R. — Bristol
★★★★★

"Car failed its MOT and I needed funds urgently. Fund Ourselves came through within hours. The repayment schedule was very clear and manageable."

Lisa M. — Manchester
★★★★☆

"Simple application, fair rates. The customer service team was helpful when I had a question about my repayment date. Would use again."

Tom K. — Birmingham
FAQ

Common questions

Quick answers to the questions we hear most often.

How much can I borrow with Fund Ourselves?
You can borrow between £50 and £1,200. New customers are typically approved for up to £800, while returning customers may be eligible for up to £1,200, subject to affordability assessment.
How long do I have to repay?
Fund Ourselves loans are repaid over 4 to 6 months in equal monthly instalments. You choose your preferred repayment date when you apply — most customers choose payday or the last working day of the month.
Will applying affect my credit score?
Our initial eligibility check uses a soft credit search, which does not affect your credit score. A full application involves a hard credit search which will appear on your credit file.
What is the maximum daily interest rate?
In line with FCA regulations, the maximum daily interest rate is 0.8% per day. The total cost of your loan, including interest and fees, will never exceed 100% of the original amount borrowed.
How quickly will I receive my money?
Once your application is approved and your loan agreement is signed, we aim to transfer funds to your bank account the same working day.
What happens if I can't make a repayment?
Please contact us as soon as possible if you are struggling to repay. We do not charge late fees above £15 as set by FCA regulations. We can discuss options including payment plans. For free debt advice visit moneyhelper.org.uk.

⚠️ Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk. Representative 211% APR (fixed). Fund Ourselves is authorised and regulated by the Financial Conduct Authority (FCA No. 729238).

Ready to apply?

Check your eligibility in minutes — no impact on your credit score.

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