News Stories

Check out what everyone is saying about Fair for You, featured in major news sources such as BBC News, the Independent and the Guardian.

Big Issue Invests Social Impact Report (May 2018)

“At Fair for You, we are path makers. We want to show it’s possible to deliver fairer solutions that can lift people out of the #povertypremium. To be pioneering you need brave investors, people who have the courage to sit behind you and help you knock down the barriers ahead.” – CEO Angela Clement in Big Issue Invents Social Impact Report 2018.

iNews (May 2018) How I escaped a vicious payday loan cycle that left me paying back more than my monthly rent

“Using a credit union and Fair for You is definitely the best way forward for people like me that are on low incomes and don’t have the best credit,” says Siobhan Taylor, a FFY customer.

Money Magpie (April 2018) Avoid the Pirates: Here’s a Safe Way to Get Credit Fast 

“According to research, over ¼ of us Brits don’t have savings if we are hit by an emergency such as a broken washing machine.

Michael Sheen and others are leading a big campaign to end high cost credit in the UK […] We’ve found a rapidly growing not for profit personal credit company called Fair for You, that is affordable and really loved by its customers.

The Independent (March 2018): Poor people are being penalised for borrowing money to make ends meet – the system is stacked against them

Those on the lowest incomes pay the most to borrow money even where they are borrowing for essentials. This is compared to those on higher incomes who can generally borrow at lower rates for luxuries like holidays and high-end consumer goods.

Herald Scotland (March 2018): Tackling high-cost debt will ease the burden of living in poverty

“There is a financial market there to help, with credit unions and providers such as Scotcash, Fair for You and Conduit Scotland among those offering an alternative to high-cost credit on a not-for-profit basis.” (March 2018)

The Sun (March 2018): Five much cheaper alternatives to high-cost credit that could save you hundreds of pounds

“If you need to borrow money quickly or pay for something in instalments, there are much cheaper alternatives to big name rent-to-own and doorstep lenders. Here are five to consider…”

Huffington Post (March 2018): We Must End Exploitative Lending Practices And Make Credit Fair For Those Who Need it – Micheal Sheen launches The End High Cost Credit Alliance

“A fair finance provider is simply a business that is prioritising YOUR financial needs, health and wellbeing, over THEIR profit. You might not have heard of them because they don’t have the marketing budgets of Brighthouse, Wonga and other household names. But there are many social businesses across the UK providing a fairer deal for customers – Fair for You […]or your local credit union.” (March 2018)

The Guardian (Oct 2017) : At last, it’s payback time for BrightHouse – a £600 computer can cost £2,000. But now the rent-to-own retailer has to repay £14.8m to customers.

“Laura Hutchison, who lives with her daughter Ellie in Galston, Scotland, and is on benefits, was paying off an L-shaped sofa from BrightHouse over several years but, she says, only managed £1,800 out of £2,500, so never ended up owning it. She reckons it would have cost £500-600 on the high street. “I’d never buy anything from BrightHouse again,” she says.

She has since found Fair For You, a not-for-profit credit provider that funds household goods. Hutchison has bought a bunk bed, double bed and vacuum cleaner and says it took no more than six months to pay off an item.”

Another mention of Fair for You as a good alternative to high cost credit & rent to own stores like Brighthouse in The Guardian:

Rent-to-own retailer Brighthouse ordered to repay £14.8m to customers

‘Yvonne Fovargue MP, chair of the all-party parliamentary group on debt and personal finance, which conducted an inquiry into the rent-to-own sector two years ago, called on the government “to do more to promote safer forms of credit for the most financially excluded”. She welcomed social enterprise initiatives such as not-for-profit credit provider Fair for You “which are giving families access to essential household goods at prices they can truly afford”.’

Social Saturday 14th October

Fair for You is hosted on the Social Enterprise Social Saturday Market Place.

Once a year Social Enterprise UK, the leading global expert on social enterprises, hosts a campaign to raise awareness of the difference companies like Fair for You are making to their communities, and encourage people to support these businesses.

Check us out on their website as the only social enterprise that provides items for the home on finance:

Here we’ll list the latest press releases and news stories on Fair for You. Find out what other people are saying about us!

ffy product catalogue cover pageafair for you product catalogue

Check out our product range by clicking on the link:

*New* Product Catalogue (Summer 2017)

We were featured in the Guardian!

“…the City watchdog this week tore a strip off “pay-weekly” retailers that target low-income families, saying it was concerned about the high costs and harmful consequences of this type of credit.

Many of us are aware that this is an expensive way to buy household items, but if you are hard-up and urgently need a bed for your child, or a cooker or new washing machine, you may feel you have no choice but to turn to a company such as BrightHouse. But the good news is that things are changing. A new breed of socially responsible companies is emerging that aim to break the stranglehold of the major pay-weekly retailers by helping poorer families to buy the things they need without having to pay a “poverty premium”.

This new wave is being spearheaded by Fair for You…”

Read more in this Guardian article

We’ve done it!

We’re delighted to have been the only firm to pick-up two awards at the Consumer Credit Awards 201fairforyou consumer credit awards7, and it’s all down to our customers.

We picked up the “Consumer Credit Champion” and “Best Newcomer” awards. The awards are run by Smart Money People, and decided by customer voting, so we’re particularly delighted to be recognised as a leading consumer credit business that puts customers at its heart.


Plymouth City Council Awareness Campaign

Plymouth was announced as one of two social enterprise cities in the UK in September 2013. Since then, the City Council has been keen to encourage innovative social enterprises into the city.

As a social enterprise, wholly-owned by a charity of the same name, Fair for You CIC was given a grant in May 2016 to deliver an awareness-raising campaign of our offering throughout the city, and present it as an alternative to high cost lenders and rent-to-own stores.

Informed by the outcomes of our early trading experience (evaluating the results of an early pilot we ran with LB of Islington), our approach was to go direct to where we see our core demographic. Read more….

New Ethical Lender is Helping Remove Scotland’s Poverty Premium


First charity-owned national challenge to high-cost credit exceeds all expectations in its first year of trading



Social Enterprise UK – First Charity Owned National Challenge High Cost Credit Exceeds All Expectations

Peter Holbrook, CEO of SEUK said, ‘Fair for You are taking on the often predatory actions of high cost weekly payment stores. They’re a fantastic example of a social enterprise entering a dysfunctional market, causing disruption and transformation that works for low income communities.



Social Enterprise UK – Ethical Short Term Lender Works with Plymouth City Council

“In the run-up to Christmas, local people who want to be able to spread the cost of household items, and pay back in the New Year, without paying high interest can take advantage of a social enterprise which has already saved its Plymouth customers £28,000.”




Just Finance Foundation
CEO, Angela Clements, writes about her thoughts on setting up Fair for You: “I realised then that there was nobody offering people without what is considered to be a ‘perfect credit profile’, a small loan (£250-350), other than payday lenders, and the really high-cost credit shops on the high street…”



Business Comparison: Social Saturday
“Fair for You shows how a social enterprise can disrupt what is a dysfunctional market, transforming it to have a positive impact on people’s lives.” – On 15th October Social Enterprise UK will launch Social Saturday to raise awareness of socially motivated businesses. Chief Executive of Social Enterprise UK, Peter Holbrook CBE gave us a mention on Business Comparison.



2nd Social Impact Report from CfRC (September 2016)
A big thank you to everyone who filled out our survey and the 44 customers who took part in our research to create this Social Impact Report. We’re taking your feedback and we’re using it to make sure more people & MPs understand your experiences of using credit. Download this report here.




City Housing Trust
Fair for You is a not-for-profit organisation that provides loans to people to buy household items, with options to repay weekly, fortnightly or monthly.




The London Economic
Why We Need A Better Debt Solution For Millions



Advice UK
AdviceUK is pleased to announce the extension of its categories of affiliation and welcomes Fair for You as the first AdviceUK Associate organisation.



NEA July Newsletter
NEA (National Energy Action) is the national charity working to end fuel poverty in England, Wales and Northern Ireland.

Listen to Stacey on Plymouth’s 96.3 Cross Rhythms Radio:


CEO Angela Clement’s Interview on Plymouth Radio:



Exploitation of consumers in the rent-to-own sector prompts calls for greater regulation – Financial Health Exchange
A recent investigation for the BBC’s Victoria Derbyshire programme saw Labour leader Ed Miliband call for better and clearer regulation of the rent-to-own sector.



Download the Fair for You Autumn/ Winter Newsletter:

Fair for You Autumn/ Winter 2016 Newsletter

fair for you autumn winter newsletter


Fair for You – Pay Now Button Press Release

“Social enterprise and ethical lender, Fair for You has launched a Pay Now facility on its website. This will allow social landlords who wish to support its work to buy direct from it at market comparable prices in the knowledge that this will support Fair for You’s work, and enable it to continue to offer services to more customers.”



Orbit Housing
“If you don’t have a good enough credit score to qualify for 0% and low interest credit, Fair For You is a good alternative to high-interest lenders and retailers.”



“Tired of high interest lenders and high cost retailers targeting low income consumers on the High Street, some authorities, social enterprises and credit unions are fighting back”



Plymouth Daily
“Social enterprise lender Fair for You, which has been welcomed by Plymouth City Council, is offering transparent and affordable credit to Plymouth families who find it difficult to access to mainstream finance.”



Social Stock Exchange
“Fair for You has saved its customers over half a million pounds during its first six months of trading, with savings equating to more than £750 per family.”



Social Enterprise UK
“Customer service feedback from Q1 trading shows that new social enterprise challenger to high cost credit sector is garnering market-leading feedback from its customers.”

or download this here: Fair for You Press Release April 2016



The Guardian
“Fair for You: Better lending to lower paid households. A new social enterprise is taking on the rent-to-own sector…”



The Independent
“…not-for-profit online lender Fair for You launched last month. It offers much more affordable finance for home essentials.”



 Pioneers Post Quarterly
“New social enterprise to provide low income households a lifeline”



Church Action on Poverty
Fairforyou: An affordable alternative to Brighthouse”



Charities back alternative to rent-to-own retailer”



Good With
Can short-term lenders ever be ethical? New launch Fair For You thinks so “



Financial Health Exchange 
“A real challenge to high impact high cost credit?”



Be Money Ready
“If you’re looking to borrow money to buy an essential household item such as a washing machine or cooker, it might be worth checking out Fair for You.”