Good Payers Club

• You’ll be automatically invited to join the Good Payers Club via email when:· You’re up to date with your payments and;
• You’ve been with us for more than six months, or you’ve paid off your first loan* with us
  
  * If your first loan is for a Food Club Card you will need to have paid off your first loan balance and have been with us for 6 months to be eligible to join the Good Payers Club.

You can log into the Good Payers Club by logging into your customer account area.

We do carry out credit searches—but we don’t rely on generic credit scores. Instead, we focus on how you’re repaying things right now. We might also run identity checks.

To give you the best chance of being accepted, we may ask you to share your open banking data. Sounds scary, but it’s not. It just helps us understand your financial situation better—and our numbers show it actually improves your chances of getting a “yes” from us.

Want to test the waters first? You can use our loan calculator—it will show you how much you can borrow and repayment rates, it won’t leave a mark on your credit file. Think of it as window shopping for loans.

See our privacy policy for more details.

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.