COVID-19 Help

If you have suffered a loss of income due to Covid-19 we are able to offer reduced payment plans and deferred payments to assist during this period

Please note that interest on your loan will still be charged daily on the account

How to Work Out the True Cost of Your Loan

When looking for the best loan, choosing the one with the lowest weekly payment isn’t the best way to find good value. Before you apply for a loan you need to know the total cost of repaying the debt.

Total cost of the loan includes:

  • Loan amount
  • Interest rate
  • Cost of any transactional fees

You’ll also want to take note of:

  • Length of borrowing term (Months? Years?)
  • Frequency of repayments
  • Late penalties

This will help you work out the total amount that you’ll have to pay the lender.

Check out our Loan Calculator to find out the true cost of your loan with Fair for You.


Pay Less Interest On Your Loan

Longer term loans with lower weekly repayments seem better, but in fact the longer you have your loan, the more you pay.

It’s better to go for a shorter loan term and pay back more each month, if you can afford to, to pay less interest overall.


Fair for You

Fair for You has no transactional fees, no late penalty fees and the length & frequency of repayments is flexible.

You can pay your loan off early and arrange to pay what you can afford.



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