Frequently Asked Questions

Shopping Card

  • You are eligible to apply for the Shopping Card if you are a member of the Good Payers Club (GPC).

  • You can use shopping card in a variety of high street stores and online. The latest list of eligible stores is shown here.

  • Your credit limit can be found on your loan agreement with us. If your credit limit changes for any reason we will contact you by email on the address we have for you. For more information on your balance and credit limit please visit your customer dashboard.

  • You can check your card balance on your customer dashboard.

  • It’s simple to activate your card. Just log into your customer dashboard and your card will be available to activate.

  • If you have lost your card, you can log into your customer dashboard and suspend the card. The card will then be blocked and unable to be used for further transactions.

    If you then find the card you will need to log onto the customer dashboard and unsuspend the card. It can then be used as normal.

  • If you have lost your card, you can log into your customer dashboard and suspend the card. The card will then be blocked and unable to be used for further transactions.

    If you then find the card you will need to log onto the customer dashboard and unsuspend the card.

    Please email [email protected] if you have lost your card. To cover our costs there is a £5 fee for any replacement cards. Once your request has been confirmed, your new card should be with you within 5 working days.

  • Once you have signed your Loan Agreement we aim to get your card delivered within 5-7 business days, but it is usually quicker than this.

  • No. The card will be locked and only available to use at our approved retailers.

  • Your card needs to be treated the same as a credit/debit card in store and online.

    In store your card will need to be swiped in order to pay using the in store payment terminals (usually on the same device you would put in a card to pay by chip & pin).

    Please process payments online as a Mastercard and enter your own name where it asks for 'Name on Card', when prompted for a Security Code please enter the CVC2 on the back of the card.

    Part payment can only be made instore where you will need to pay the difference first and use the card for the remainder of the transaction. No pin is required for this card.

Loans

  • 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 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.

  • We do not provide cash loans. We provide finance to buy items directly from our approved retailers. The money is paid direct to your chosen retailer on your behalf, either automatically via our marketplace or when you spend online / instore using one of our cards, and you then own the goods outright.

  • Browse through the categories of items that we offer. Just add the item(s) you want to your basket then apply for a loan,

  • We have to verify identity and financial information - that is a key part of our responsible lending policy.

    We use National Insurance number because it is a key piece of identification that is personal to you and stays with you.

  • 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 affordability checks as part of our loan application process.

    One way of carrying out these affordability checks is by asking to see your bank statements – either online through Open Banking or via paper records. This allows us to gain an insight into your income and expenditure, which helps us decide whether a loan from us will be affordable for you.

  • Yes. Providing you have a stable, regular income and a bank account you can make your repayments from, you’re eligible to apply.

  • We look at how you’re managing your existing credit from your credit file and sometimes from your Bank Statements via Open Banking.

    If it looks like you’re struggling to pay your existing credit we won’t be able to lend to you because we can’t evidence that you can afford another loan on top of the ones you already have.

    There may be misreporting on your credit file, so do check your credit file regularly to see what’s on there and if there’s anything wrong – dispute it.

    Use Credit Karma:

    • It’s free;
    • You can check your credit file;
    • You can dispute it in a couple of clicks.

    You can appeal our lending decision, just reply to our email declining you and explain why – give us extra information that you think is relevant to your application that would help explain why you can afford the loan.

    • If you are a member of the Good Payers Club, you need to have repaid 1/4 of each of your loans to become eligible to apply for another loan.
    • If you are not a member of the Good Payers Club, you need to have repaid 1/3 of each of your loans before you are eligible for another loan.
  • Please send an email to [email protected]

  • 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.

  • Please contact [email protected] if you need any help with your application

  • Please contact [email protected] if you need any help with your application

Food Club

  • Top ups on a Food Club card are made available throughout the year in line with school holidays.

    If you have a Food Club card we will contact you to let you know when the next top up date is available.

Delivery

  • Free recycling of old appliances is available with some purchases.

    If it is available, when in your basket you will see the option to tick for removal of old appliance as well as additional services like connection of your new appliance.

    Please make sure you select any services that you need (note there may be a connection fee which will be shown in your basket).

  • Delivery is dependent on our retailer partner's stock levels and the type of product ordered.

    Appliances can usually be delivered within 3 business days.

    Some items take longer to deliver as they are made to order.

  • Please send an email to [email protected]

  • Typically our retail partners deliver most products right across the UK. The product pages on our website show if the retailer doesn't deliver to any specific areas.

  • Contact us via live chat or send an email to [email protected] and we will be able to put you in touch with the supplier of your product(s).

Good Payers Club

  • You will be automatically invited into the Good Payers Club when you are up to date with your loan payments and been with Fair for You for more than 6 months, or if you've paid off your first item.

  • You can log into the Good Payers Club by logging into your customer dashboard.

Payments

  • You are purchasing the goods direct from your chosen retailer, they are not rented. This means you own your items from the start. We provide a loan for this purchase so your repayments are then scheduled with us.

  • You can repay your loan early with no penalty fees. Simply log into your customer dashboard and make a payment

  • We understand that circumstances can change and we’ll always try to work with you to rearrange a payment plan and get you back on track wherever possible.

    If you need to make a payment you can do this via your customer dashboard. You can also request a change to your repayment schedule there.

  • To set up a new payment plan please visit your customer dashboard. Here you can request changes to your payment amount and payment frequency.

  • You can add a new card securely on your customer dashboard.

  • You can view how much you owe by logging into your customer dashboard.

  • Our interest rate is 45% per annum (equivalent to 55.6% APR).

Products

  • If your supplier is Whirlpool please contact via them their live chat: www.hotpointservice.co.uk/ or call them on 03448 224224

    If your supplier is Dorset Home Stores please contact them on 01935 315030 or email [email protected]

  • Our suppliers give us frequent updates on stock levels. If you want a specific product, but its currently out of stock, please check back later.

Soft search

  • The Soft search result will give you a good indication as to whether you will be accepted.

    We cannot say for certain as we don't perform an affordability check until you have selected a product to purchase.

  • Browse through the categories of items that we offer. Just add the item(s) you want to your basket then apply for a loan

  • 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

  • Not Eligible?

    Fair for You will carry out affordability checks including a credit check. If you are already currently struggling to repay credit, you are unlikely to be able to borrow from Fair for You and should take debt advice. Any checks we conduct can only assess your current position and do not consider any unforeseen circumstances that may arise.

    Turn2Us offers free search tools to find potential welfare grants and benefits you could be entitled to.

    If you are unsure why we are unable to accept your application, or just want to find out a bit more, you can check your credit rating for free at Credit Karma.

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