Fund Ourselves

What happened to Fund Ourselves?

On April 11, 2025, the Financial Conduct Authority (FCA) placed restrictions on Fund Ourselves.

From this date, Fund Ourselves were not permitted to accept any new applications for credit without written consent from the FCA.

What’s going on with Fund Ourselves now?

As of July 21, 2025, Fund Ourselves is no longer trading and has been placed into administration. The administrators will now begin the process of winding down the company and are expected to contact all relevant creditors to explain what happens next.

In a statement released on July 23, 2025, the FCA stated on their website:

“We are engaging with the firm and the Joint Administrators to seek to ensure the best outcomes for customers.”

Has Fund Ourselves gone into administration?

Yes, as discussed, Fund Ourselves has entered into administration, with Louise Brittain and Robert Young of Azets Holding Limited appointed as Joint Administrators.

Do I need to keep repaying my Fund Ourselves loan?

If you have an existing loan with Fund Ourselves, you will need to keep making your repayments in line with your credit agreement.

Will I get a refund from Fund Ourselves?

At our time of writing on July 24, 2025, the FCA have advised the following:

“The Joint Administrators will give more details about how any complaints will be dealt with in due course.”

How can I claim a refund from Fund Ourselves?

If you’re an existing or previous Fund Ourselves customer and you think you could be entitled to a refund, or if you have any concerns or questions, you can contact the Joint Administrators.

These contact details have been provided by the FCA.
When a company enters into administration, it’s possible that opportunist fraudsters could use these circumstances to their advantage. If you receive communication from somebody claiming to be from Fund Ourselves or Azets, please do not engage with them unless you can verify the details using the contact information above. If in any doubt, end the call and phone the number above to confirm authenticity.

You can read more about protecting yourself against fraud and scams here.

How do I contact Fund Ourselves?

As Fund Ourselves has entered into administration, it’s no longer possible to contact them directly. Any questions should be directed to the administrators, Azets Holding Limited. The contact details for Azets Holding Limited can be found in the section above.

Who was Fund Ourselves?

Fund Ourselves was a peer-to-peer lender of short-term loans. New Fund Ourselves customers could apply to borrow up to £800, while existing customers could apply for up to £1,200. Loans taken out with Fund Ourselves could be repaid between 4 and 6 months.

Is Fund Ourselves a direct lender?

Yes, Fund Ourselves was a direct lender, not a credit broker.

What sort of reviews did Fund Ourselves get?

As of July 2025, Fund Ourselves is rated ‘Average’ on a Trustpilot.

Can I still apply for a loan with Fund Ourselves?

No, Fund Ourselves is no longer trading and is unable to consider credit applications, but if you’re facing a financial emergency and need a loan, you might think about using CashLady instead.

Are you looking for a loan between £100 and £10,000?

CashLady is a credit broker, and we work with a panel of over 30 direct lenders. All the lenders on our panel are authorised and regulated by the FCA.

With CashLady, you could search for a short-term, personal loan between £100 and £10,000, with a repayment term from 3 to 60 months, depending on how much money you apply to borrow.

CashLady: a Fund Ourselves alternative

If you’re looking for an alternative to Fund Ourselves, CashLady could help you search for a loan that suits your circumstances.

You can search for a loan with CashLady if you:

Could I search for a loan with CashLady if I have bad credit?

Yes, you can search for a loan with CashLady, even with bad credit history.
Fund Ourselves considered applications from people with bad credit, and so do a number of the lenders on the CashLady panel.
From bad to excellent, any credit score is considered.

Here’s how it works:

1. Our online form is straightforward; it should take no longer than five minutes to complete. You’ll just need to let us know some key information, as well as how much money you need to borrow and for how long.

2. It’ll take just 60 seconds for us to complete a soft search on your financial history with no impact to your credit score and scan our panel of lenders for a suitable loan for you.*

3. If we’ve been able to match you with a lender, you’ll be redirected to their website. If you’re happy to make a full application, the lender will carry out a creditworthiness assessment, which will include a hard search or Open Banking.*

4. If you pass the lender’s checks, you’ll be formally offered the loan. At some point during the process with the direct lender, you’ll have been sent a credit agreement. If you’re confident that you can afford the loan that’s been offered to you and you’re comfortable with the terms and conditions, you can sign and return the agreement.

5. Your lender will let you know when your money will be sent. Some of the lenders on the CashLady panel could send your money on the same day your application is accepted.**

I’m struggling with money; what can I do?

If you’re experiencing financial difficulties or are worried about your level of debt, please consider reaching out to one of the following charities or organisations for free, confidential, impartial advice:

*If you make a full application with the lender you’ve been matched with, a creditworthiness assessment will be carried out by that company, which will involve a hard search or Open Banking. Please note that a hard search will remain on your credit file for up to 12 months. Multiple hard searches in a short period of time could harm your credit score.

**Payout timescales vary between lenders. The time it takes for the money to become available in your account will depend on your bank’s policies and procedures.