We'll help you make some sweet lemonade.
- Home
- Whatever life throws at you.
Flexible, affordable loans for whatever life throws at you
We're on your side - whether your old washer is driving you round the bend, the little ones’ bed is kaput or you need some extra food in over the school holidays.
Flexible, affordable loans for whatever life throws at you
We're on your side - whether your old washer is driving you round the bend, the little ones’ bed is kaput or you need some extra food in over the school holidays.
Flexible, affordable loans for whatever life throws at you
We're on your side - whether your old washer is driving you round the bend, the little ones’ bed is kaput or you need some extra food in over the school holidays.
No judgement - just what's right for you
A loan from us may not be the right thing for you - and that's ok. We're here to help make sure you get the support that works best for you.
If we're not the best option then we'll be upfront about that from the start. No hard feelings.
No judgement - just what's right for you
A loan from us may not be the right thing for you - and that's ok. We're here to help make sure you get the support that works best for you.
If we're not the best option then we'll be upfront about that from the start. No hard feelings.
No judgement - just what's right for you
A loan from us may not be the right thing for you - and that's ok. We're here to help make sure you get the support that works best for you.
If we're not the best option then we'll be upfront about that from the start. No hard feelings.
Our customers say it best
We could use this whole page to tell you how wonderful we are - but we believe our customers are best placed to comment. Hear how fair credit has changed just a few of our customers' lives.
Our customers say it best
We could use this whole page to tell you how wonderful we are - but we believe our customers are best placed to comment. Hear how fair credit has changed just a few of our customers' lives.
Our customers say it best
We could use this whole page to tell you how wonderful we are - but we believe our customers are best placed to comment. Hear how fair credit has changed just a few of our customers' lives.
More than your credit score
We don't just use your credit score to make our decision, we find out more about you and your commitments to understand if our finance options are the right choice.
Using the latest tools like Open Banking, we can quickly and fairly make a decision that's best for you.
How it works
Choose your products or card
Browse hundreds of items from washing machines to air fryers, or explore our prepaid card options. Whether you need to stock up on food essentials in Iceland or get a new chest freezer to store them all, you can choose a finance option that works best for you.
Apply for an affordable loan
Our process is quick and easy - while still making sure a loan from us is best for you and your circumstances. Most people get a decision within 1 hour (during our normal hours).
Repay your way
You can pay weekly, fortnightly, four-weekly or monthly* and borrow for as long as 12 months or as short as 3 months. And you can even change your repayment schedule or frequency if you need.
*Payment terms are set to weekly for the Food Club Card loan
Finance you can trust is right for you
![]()
Who are we?
We're your friendly local neighbourhood lender - offering loans for your home essentials with affordable and fair repayment plans.
It's easy to say we're ethical because we're charity owned and a not-for-profit - but what does that really mean?
We're on your side every step of the way. The profits that we make are put straight back into Fair for You to ensure we offer you the most affordable options. We also use them to innovate and offer new products to meet our customers' changing needs. The Food Club offered in partnership with Iceland is one of our latest products - with plenty more in the pipeline.
Our loans are designed to be flexible. Life can throw many curveballs - and we're here to help you throw them right back. Whether you need a breather, want to plan for a future big expense or have some extra money and want to overpay - a loan from Fair for You offers the flexibility to make the changes you need.
Who are we?
We're your friendly local neighbourhood lender - offering loans for your home essentials with affordable and fair repayment plans.
It's easy to say we're ethical because we're charity owned and a not-for-profit - but what does that really mean?
We're on your side every step of the way. The profits that we make are put straight back into Fair for You to ensure we offer you the most affordable options. We also use them to innovate and offer new products to meet our customers' changing needs. The Food Club offered in partnership with Iceland is one of our latest products - with plenty more in the pipeline.
Our loans are designed to be flexible. Life can throw many curveballs - and we're here to help you throw them right back. Whether you need a breather, want to plan for a future big expense or have some extra money and want to overpay - a loan from Fair for You offers the flexibility to make the changes you need.
Who are we?
We're your friendly local neighbourhood lender - offering loans for your home essentials with affordable and fair repayment plans.
It's easy to say we're ethical because we're charity owned and a not-for-profit - but what does that really mean?
We're on your side every step of the way. The profits that we make are put straight back into Fair for You to ensure we offer you the most affordable options. We also use them to innovate and offer new products to meet our customers' changing needs. The Food Club offered in partnership with Iceland is one of our latest products - with plenty more in the pipeline.
Our loans are designed to be flexible. Life can throw many curveballs - and we're here to help you throw them right back. Whether you need a breather, want to plan for a future big expense or have some extra money and want to overpay - a loan from Fair for You offers the flexibility to make the changes you need.
Lending done differently.
We're revolutionising credit one fair loan at a time.
We believe that lending can be done differently. Charges do not have to be extortionate. Credit scores are not always perfect. And everyone is human.
That's why our loans come with:
- No unfair hidden fees.
- No triple figure interest rates.
- No deposit. Period.
- No renting. The products are yours right from the start. Always.
- And no judgement.
We’ve been the UK’s best kept secret. But we believe it’s time everyone joined the revolution.
Over 65,000 families have been freed from unfair finance.
#faircreditrevolution
Lending done differently.
We're revolutionising credit one fair loan at a time.
We believe that lending can be done differently. Charges do not have to be extortionate. Credit scores are not always perfect. And everyone is human.
That's why our loans come with:
- No unfair hidden fees.
- No triple figure interest rates.
- No deposit. Period.
- No renting. The products are yours right from the start. Always.
- And no judgement.
We’ve been the UK’s best kept secret. But we believe it’s time everyone joined the revolution.
Over 65,000 families have been freed from unfair finance.
#faircreditrevolution
Lending done differently.
We're revolutionising credit one fair loan at a time.
We believe that lending can be done differently. Charges do not have to be extortionate. Credit scores are not always perfect. And everyone is human.
That's why our loans come with:
- No unfair hidden fees.
- No triple figure interest rates.
- No deposit. Period.
- No renting. The products are yours right from the start. Always.
- And no judgement.
We’ve been the UK’s best kept secret. But we believe it’s time everyone joined the revolution.
Over 65,000 families have been freed from unfair finance.
#faircreditrevolution
Avoid the sharks.
Three types of lenders: the good (that's us!), the bad (high-cost, for-profit firms), and the illegal (loan sharks).
But loan sharks can be hard to spot - they often put on a friendly smile at first when they offer you some cash, but the sharp teeth soon come out when they want it paid back - with unfair terms and sky-high rates. Here are six important questions to ask if you're not sure if a lender is legit:
Did they offer you a cash loan?
Did they not give you paperwork?
Did they add huge amounts of interest or APR to your loan?
Have they threatened you?
Are you scared of people finding out?
Have they taken your bank card, benefit card, passport, watch or other valuables from you?
If the answer to any of those questions is 'yes', or you think someone you know might be at risk from this sort of lender, please contact the Stop Loan Sharks team. They are there to help and will never judge you.
“Anyone can be the victim of an illegal money lender. When people are struggling to afford the costs of everyday items and bills, and find it difficult to access credit, they may turn to someone they know and consider a friend, or to an apparently legitimate organisation which turns out to be illegal. Victims may even have been referred to the lender by a friend or family member. That’s why social lenders such as Fair for You are crucial - it's important that people know that there are better, safer and more cost-effective alternatives out there, both to illegal lenders, and also for-profit lenders which, while legal, do not have their customers' interests at heart." Paul Maynard, MP for Blackpool North and Cleveleys
Fair for You was founded with the ambition of eradicating high-cost credit and illegal lending in the UK. We’re passionate about fair lending (so much so we even put it in our name!) and as part of our mission, we want to help shine a light on those with unfair and illegal practices.
Remember, anyone can be a loan shark, even those you think are your friends.
Terms & conditions apply. Finance subject to status. Applicants must be UK residents aged 18 or over. Fair for You reserve the right not to extend credit. Credit provided by Fair for You Enterprise CIC, Unit 8, Elm Court, Meriden Business Park, Copse Drive, Coventry, CV5 9RG. Authorised and regulated by the Financial Conduct Authority - FRN719715.