Not Your Average Lender

We don’t focus on profit – we focus on the people behind each loan.

We believe that affordable finance should be accessible to everyone – no matter what their background is or what’s happened in the past. Circumstances change, big life events happen and sometimes we all make mistakes. As a responsible lender we perform a credit check on every application but we also understand that there is more to each person.

This is why we also look past your credit score - using secure tools like Open Banking to understand what your life looks like now. We’ll assess what the best option may be for you and let you know our decision quickly so you can get on with your life.

Flexible payments

You can choose how and when you’ll repay your loan in a way that works for you. And we know that sometimes circumstances change so if you get into difficulty you can always change your repayment schedule to help get back on track.

We’re on your side

We’re honest about what type of loan will be best for your specific situation — we make sure you’ll be able to afford to repay what you borrow — and we do everything we can to help you pay off your loan quickly and as cheaply as possible.

Affordable loans that work for you

We keep our interest rates as low as possible and don’t judge you solely by your credit score, even if you’ve needed help to repay debts in the past. We even encourage overpayments at any point to allow you to pay less interest on your loan. Plus there are no hidden fees to catch you out — what you see is what you get.

Here to help

We understand that things don’t always go to plan. You can change your repayments at any time and our friendly team are on hand to help you through difficult times. Unlike some other lenders we’ll never send bailiffs for collection or sell your debt to another company.

Quality products from brands you can trust

We have teamed up with trusted names like Whirlpool, to give you access to a wide range of quality items for your home with affordable finance. We pay the retailer of your chosen product directly when you complete your purchase - which means you own the product from day one. And because you have purchased straight from the retailer you have access to all the aftercare and support you’d expect from big name brands.

Quick decisions

It’s quick and easy to apply – with many customers receiving an instant decision. Sometimes our team may need to review an application first, but we aim to get back to you with a decision within an hour (during our usual opening hours).

The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017
The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017
Frequently Asked Questions
  • 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.

  • 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.

  • 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! You can make a soft search which doesn’t leave a footprint on your credit file, but will give you an indication of whether you would be accepted for a loan with us.

Contact us

Do you have more questions that you can’t find here? Then check out our contact us page to find out how you can get in touch. Opening hours are:
Monday to Friday, 9am to 5pm
Saturday, 9am to 1pm.

Get in touch