106 reviews

35.4% Representative

Will lend between: £500 - £500,000

Over: 1 - 6 Months

Representative example: If you borrow £10,100 over 6 months at a Representative rate of 35.4% APR and an annual interest rate of 2.73% (fixed), you would pay 6 monthly instalments of £1,959. The total charge for credit will be £1,654 and the total amount payable will be £11,754.

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FundingSecure customer reviews.

106 reviews

3.7 out of 5 stars

Cheap, fast and different
10:18 30-08-2013
ImageChoose Wisely

Borrow from FundingSecure last month and got to say it was different. Their loans are considerably cheaper since people fund the loan and I can have a say in the interest rate I want to pay. Didn't even take long, got my money in 24 hours. Its all done online and my stuff was valued by auctioneers SAS. Great service and makes pawnbroking affordable.


Simple to use
17:03 29-03-2016
ImageSmart Money People

Simple to understand. Better rates for borrowers and lenders a like. As the loans are asset backed I don't see huge risk here but it could take a while to optimum price at auction.


Unique, Different, Better
14:52 21-08-2013
ImageChoose Wisely

I secured a loan from FundingSecure against my Breitling Watch. They use auction houses to value my watch. This is peer-to-peer so people lend me the money via the platform which is different to normal pawnbrokers and hence why it’s cheaper. They collected the goods from my house and explained the process. Got my loan in 24hrs once the valuation was done and saved £81 if I went to my high street pawnbroker. All in all a great service and a different approach.


Innovative but site could be better
18:08 13-07-2015
ImageSmart Money People

FundingSecure is really innovative business but the website lets them down. It doesn't bring out the specialness of the business and what it can offer investors and borrowers a like.


So far so good
17:22 09-08-2013
ImageChoose Wisely

I have just started to use fundingsecure - as an investor. As it is still early days I have only invested in one loan - but with 13% interest on a 6 month investment it appears to be very good. From the borrowers standpoint it also seems pretty good - much better than regular pawnbrokers and MUCH less than the payday loans. Of course it is still higher than other forms of credit - but the concept seems sound and should be secure.

Nigel Hackett

Our review of FundingSecure

FundingSecure can offer finance with no credit checks, as long as you have an item of value to secure your loan against. Loans are provided by investors, not FundingSecure themselves and interest is charged daily so you only pay for the days that you have the loan. Their loan terms are fixed at six months, after which time you’ll make the full payment for the loan – both the original amount and the interest. Having no monthly repayments can seem like an attractive idea, but please do make sure that you can afford the payment at the end of the six months otherwise you’ll be in danger of having your asset seized.

Approval of the loan doesn’t rest on a credit check like other loans, but you will need detailed information about the asset that you are going to be securing the loan against. You’ll also need to have over that asset to FundingSecure for the duration of the loan – smaller items are housed in a vault at their own secure location and larger items, such as vehicles and fine art are stored in safe units. Everything is insured on your behalf so you just need to worry about the repayment, rather than fretting over the safety of your item.

Online reviews suggest that both borrowers and investors have all had positive experiences when it comes to peer-to-peer lending with FundingSecure. Their service seems to be carried out with the utmost professionalism and they are cheaper than other pawnbroker style lenders. Borrowers enjoy benefitting from being able to have a say in their interest rate and investors benefit from returns on the money they have provided.

Overall verdict: FundingSecure seems to have nailed the peer-to-peer lending space. Their short-term loans are cheaper than others on the market, they appear to be a joy to deal with and they don’t credit check. One word of warning though – do make sure you can afford the repayment at the end of the six months if you’re going to go down this route. You don’t want to lose a beloved valuable item.

Written by: Alex


  • Secure your loan against valuable assets
  • Interest paid at the end of the six month loan term
  • No credit checks
  • Have a say on your interest rate
  • Only pay interest on the days you use

Minimum criteria

  • You must have a valuable asset to secure against
  • You must be over 18 years old


  • Maximum APR 35.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About FundingSecure

FundingSecure is a peer-to-peer secured loans lender, offering finance ranging from £500 to £500,000 at interest rates from 9% to 13%. They specialise in loans secured against the personal assets such as jewellery, property, cars or fine art, with investors providing the loans, rather than FundingSecure themselves. Loan terms are only six months and instead of monthly instalments, the interest and original loan amounts are paid at the end of the loan term.

To apply, customers will need to send an enquiry online or over the phone with a detailed description of how much you’re looking to borrow and the asset that you want to secure the loan against. FundingSecure will then get in touch with a quote and arrange to pick up or receive the asset and then the loan will be transferred.

This type of loan has a few clear differences from the traditional idea of a loan – they can lend up to 70% of the value of the asset, they don’t perform credit checks and repayment is made at the end of the loan. You are able to repay the loan early at any time (subject to a minimum of 30 days interest and charges) and there are no fees or penalties associated with this.

Company information

Registration number: 8120200


Marlborough House, 45 Wycombe End, Beaconsfield, Buckinghamshire HP9 1LZ

FCA registration

Reference No: 698305

Trading names: FundingSecure Ltd

Place of business: Marlborough House, 45 Wycombe End, Beaconsfield, Buckinghamshire HP9 1LZ

Data protection registration

Registration No: ZA005066

Data controller: FUNDINGSECURE LTD

Address: Marlborough House, 45 Wycombe End, Beaconsfield, Buckinghamshire HP9 1LZ

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