Buy direct
from trusted retailers
Spread the cost
with flexible payment plans
No hidden fees
& no deposit
Fast decision
& free eligibility check

Fair, flexible, affordable loans for your household essentials

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How it works

See what you can borrow

Use our soft-search tool to find out how much you could borrow. It's quick and won't show up on your credit file.

Try a soft-search 

Shop products from trusted retailers

Browse hundreds of products from dishwashers and tumble dryers to microwaves and beds.

See all categories 

Apply for an affordable loan

It's easy to apply for a loan at much lower interest rates than other lenders. Most people get an instant decision.

See loan FAQs 

Repay on your own terms

You can pay weekly, fortnightly, four-weekly or monthly and borrow for as long or short a period as you like. You can even change your repayment schedule or frequency if you need.

Learn about loan repayments 
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Loan calculator
Loans that work for you, not the other way around

Our aim is to help people access credit on terms that work for them so our loans are flexible. You can choose how much you want to borrow, how long you want to borrow it for and how much you repay every week or month. You’re in total control. And we know that your circumstances can change so you can change how and when you’re repaying when necessary.

You choose your own repayment schedule that works for you.

You can change how you’re repaying your loan if your circumstances change.

Everyone struggles sometimes. We’re here to help if you’re having trouble repaying your loan.

Easily manage your loan online from any device.

Loans that work for you, not the other way around

Our aim is to help people access credit on terms that work for them so our loans are flexible. You can choose how much you want to borrow, how long you want to borrow it for and how much you repay every week or month. You’re in total control. And we know that your circumstances can change so you can change how and when you’re repaying when necessary.

You choose your own repayment schedule that works for you.

You can change how you’re repaying your loan if your circumstances change.

Everyone struggles sometimes. We’re here to help if you’re having trouble repaying your loan.

Easily manage your loan online from any device.

Loans that work for you, not the other way around

Our aim is to help people access credit on terms that work for them so our loans are flexible. You can choose how much you want to borrow, how long you want to borrow it for and how much you repay every week or month. You’re in total control. And we know that your circumstances can change so you can change how and when you’re repaying when necessary.

You choose your own repayment schedule that works for you.

You can change how you’re repaying your loan if your circumstances change.

Everyone struggles sometimes. We’re here to help if you’re having trouble repaying your loan.

Easily manage your loan online from any device.

Not your average lender

Fair for You is here to improve people’s lives through responsible lending, helping you access the things you and your family need and supporting you along the way. When you apply for a loan with us we look at more than just your credit score meaning we have a better understanding of what is affordable for you and may be able to give credit even when other lenders may have turned you down.

  • No hidden fees to catch you out, what you see is what you get - and we make it easy to apply, asking only the minimum information we need to make sure your loan is right for you.
  • We're on your side. If your circumstances change, our outstanding customer experience team is here to help you get back on track.
  • We lend responsibly, making sure you can afford to repay what you borrow and have some of the lowest interest rates in the industry.

Fair for You is here to improve people’s lives through responsible lending, helping you access the things you and your family need and supporting you along the way. When you apply for a loan with us we look at more than just your credit score meaning we have a better understanding of what is affordable for you and may be able to give credit even when other lenders may have turned you down.

  • No hidden fees to catch you out, what you see is what you get - and we make it easy to apply, asking only the minimum information we need to make sure your loan is right for you.
  • We're on your side. If your circumstances change, our outstanding customer experience team is here to help you get back on track.
  • We lend responsibly, making sure you can afford to repay what you borrow and have some of the lowest interest rates in the industry.

Fair for You is here to improve people’s lives through responsible lending, helping you access the things you and your family need and supporting you along the way. When you apply for a loan with us we look at more than just your credit score meaning we have a better understanding of what is affordable for you and may be able to give credit even when other lenders may have turned you down.

  • No hidden fees to catch you out, what you see is what you get - and we make it easy to apply, asking only the minimum information we need to make sure your loan is right for you.
  • We're on your side. If your circumstances change, our outstanding customer experience team is here to help you get back on track.
  • We lend responsibly, making sure you can afford to repay what you borrow and have some of the lowest interest rates in the industry.
Frequently Asked Questions
  • As a responsible lender, fully authorised and regulated by the Financial Conduct Authority, we want to help you access affordable and flexible credit that is right for you and your circumstances.

    That’s why we carry out credit and affordability checks as part of our loan application process.

    We will sometimes ask for access to your bank account via Open Banking to help us make our decision.

  • We do perform credit searches on an application, but we don't do generic credit scoring - we prefer to look at how you’re repaying things now rather than something that may have happened many years ago!

    Before you submit an application you can try our eligibility checker which doesn’t leave a footprint on your credit file, but will give you an indication of whether you might be eligible for a loan with us.

  • The Soft search result will give you a good indication as to whether you will be accepted, without leaving a hard footprint on your credit file

  • We are wholly owned by the Fair Credit Charity. The Charity oversees and supports Fair for You in its work as a lender to financially vulnerable people and families.

    We provide credit to purchase household items directly from our retailers.

    You can choose to pay us back on a schedule that suits you too - we can be really flexible about how you pay (weekly, fortnightly, 4 weekly, monthly) and for how long (between 12-52 weeks).

    Plus, we have thousands of real customer reviews on Trustpilot.

There’s no catch! The customer service at Fair For You is second to none. It was all very quick and very simple.
— Janette
There’s no catch! The customer service at Fair For You is second to none. It was all very quick and very simple.
— Janette
Read Janette's story 
Unlock access to our full range of products by joining the Good Payers Club

If you've kept up with payments on your first loan with us you'll be rewarded with an invitation to join the Good Payers Club which gives you access to a wider range of items, still with our fair, affordable credit options.

  • Unlock our full range of products like TVs, gaming & phones
  • Access to our Shopping Card for use in both physical shops and online
Unlock access to our full range of products by joining the Good Payers Club

If you've kept up with payments on your first loan with us you'll be rewarded with an invitation to join the Good Payers Club which gives you access to a wider range of items, still with our fair, affordable credit options.

  • Unlock our full range of products like TVs, gaming & phones
  • Access to our Shopping Card for use in both physical shops and online
Unlock access to our full range of products by joining the Good Payers Club

If you've kept up with payments on your first loan with us you'll be rewarded with an invitation to join the Good Payers Club which gives you access to a wider range of items, still with our fair, affordable credit options.

  • Unlock our full range of products like TVs, gaming & phones
  • Access to our Shopping Card for use in both physical shops and online
Shop at your favourite retailers with our Shopping Card

For access to an even broader range of products, spread the cost of your purchases when shopping online and in-store at some of your favourite high-street retailers with our Shopping Card, available exclusively to Good Payers Club members and all still with our fair, affordable credit options.