Loans like Fund Ourselves

Fund Ourselves offers peer-to-peer short-term loans up to £1,500 over 4 months months. Find out what similar lenders have to offer.

Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

Please note: High-cost short-term credit is unsuitable for sustained borrowing over long periods and would be expensive as a means of longer-term borrowing.

Online lenders that offer similar loans to Fund Ourselves

NameEstablishedLoan types
Fund Ourselves (Welendus) Short Term Loan Fund Ourselves (Welendus) Short Term Loan 2016 Peer-to-peer instalment loans More info
Creditspring Membership Creditspring 2018 Instalment loans through a membership scheme More info
Lending Stream Instalment Loan Lending Stream 2008 Instalment loans Go to site
Drafty Line of Credit Drafty 2015 Line of credit Go to site
Polar Credit Credit Line Polar Credit 2019 Line of credit More info
SteadyPay SteadyPay 2017 Instalment loans through a membership scheme More info

A closer look at these lenders

Creditspring logo

1. Creditspring

Creditspring (read review) is a direct lender (not a broker), which offers instalment loans through a membership scheme of up to £1,000 over terms of up to 12 months. That's £500 less than Fund Ourselves but with a higher representative APR of 54.6%. With credit membership schemes, you pay a weekly or monthly subscription fee and can then receive low-interest or no-interest loans when needed. You'll need to have been a member for a specified amount of time (often two weeks) before you can borrow money. As with Fund Ourselves, you can repay early at any point.

Creditspring representative example: Total amount of credit £1,000 repayable over 13 months. 12 monthly membership payments of £12. Rate of interest 0% p.a. (fixed). Representative 54.6% APR. The first repayment for each advance is £83.35, due 45 days after drawing, followed by 5 monthly repayments of £83.33. Total amount payable £1,144.

Lending Stream logo

2. Lending Stream

Next up, Lending Stream (visit site) is also a direct lender, which offers instalment loans of up to £1,500 over terms of up to 12 months. That's the same maximum as Fund Ourselves but with a higher representative APR of 1,333%. With instalment loans, you borrow for an agreed amount of time at a fixed interest rate, and pay back a set amount each month until the loan is cleared. You'll know in advance exactly how much your loan will cost and when it'll be cleared. You can repay early at any point.

Lending Stream representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.

Drafty logo

3. Drafty

Drafty (visit site) is another direct lender, which offers an ongoing line of credit and could let you borrow up to £3,000. That's £1,500 more than Fund Ourselves but with a higher representative APR of 96.2%. A line of credit is a bit like an overdraft or credit card – you get a personalised credit limit and can borrow as much as you like whenever you like within that limit – so it's always available and, once set-up, is fast and convenient.

Drafty Representative Example: Assumed credit limit: £1200. Representative 96.2% APR (variable). Annual interest rate 69.4% (variable).

Polar Credit logo

4. Polar Credit

Polar Credit (read review) is a direct lender which offers an ongoing line of credit and could let you borrow up to £2,000. That's £500 more than Fund Ourselves but with a higher representative APR of 68.7%.

Polar Credit Representative Example: Amount of credit: £1,200, interest rate: 49.9% pa (variable) and 1.65% transaction fee. Representative 68.7% APR (variable)

SteadyPay logo

5. SteadyPay

Finally, SteadyPay (read review) is our last direct lender, which offers instalment loans through a membership scheme of up to £1,000. That's £500 less than Fund Ourselves but with a higher representative APR of 36.4%. You can repay early at any point.

SteadyPay representative example: Total amount of credit of £1,000. 52 weekly membership payments of £7. Representative APR 36.4% and total payable: £1,364.

Check loan costs with multiple lenders

How much do you need to borrow?


How long do you need to borrow for?


Name Product Available Amounts Monthly repayment Total payable Link
QuidMarket Short Term Loan
£300 to £1,500
Go to site
View details
Representative example: Borrow £300 for 3 months at a rate of 292% p.a. (fixed). Representative APR 1302.3% and total payable £454.38 in 3 instalments of £151.46.
The Money Platform Short Term Loan
£100 to £1,000
Check eligibility
View details
Representative Example: Borrow £500 for 6 weeks with repayment method of One Payment. Total amount payable: £647. Representative 839.20% APR, interest rate 255.5% per annum.
Moneyboat Short Term Loan
£200 to £1,500
Go to site
View details
Representative example: Borrow £400 for 4 months at a rate of 255.5% p.a. (fixed). Representative APR 939.5% and total payable: £597.48 in 4 payments of £149.37.
Lending Stream Instalment Loan
£50 to £1,500
Go to site
View details
Representative example: Borrow £200 for 6 months at a rate of 292% p.a. (fixed). Representative 1,333% APR and total payable £386.61 in 6 monthly payments of £64.44.
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Please note: You should always refer to your loan agreement for exact repayment amounts as they may vary from our results.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Moneyfacts.

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