How It Works

Step 1
Shop products from trusted retailers

Explore hundreds of quality products from our trusted retailers, from dishwashers and tumble dryers to microwaves and beds. If you need it, choose to have your old appliance taken away and your new one installed by our delivery partners.

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Step 2
Apply for an affordable loan

It's easy to apply for a loan with Fair for You, with much lower rates than other lenders. Just fill in a few details to help us understand a bit about your circumstances. First time customers can apply for up to £600.

Most customers get an instant decision but you’ll normally hear from us in no more than an hour (during normal opening hours), although sometimes we may need up to a day to make the best decision for your needs.

Want to see what your repayments might look like? Check out our handy calculator that will give you an idea of what your loan repayments might be.

See loan FAQs 
Step 3
Receive your item

Get your item in as quickly as 3 business days with fast, free nationwide delivery on most items. Many products are available for next-day delivery with free removal and low-cost installation options available for home appliances.

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Step 4
Repay on your own terms

With Fair For You, you can choose how long you’d like to borrow for and how frequently you’d like to pay. You can pay weekly, fortnightly, four-weekly or monthly and borrow for as long or short a period as you like. You can even change your repayments if your circumstances change.

Our monthly interest rate is 3.75%. The shorter the loan period you choose the less interest you pay overall. We’re a bit different from other lenders, which means there are no charges or fees if you’d like to pay a bit extra towards your loan. The faster you pay, the less you pay.

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Shop online & in-store with a Fair For You card

For access to an even broader range of products, spread the cost of your purchases when shopping online and in-store at some of your favourite high-street retailers with our Shopping Card, available exclusively to Good Payers Club members and all still with our fair, affordable credit options.

Frequently Asked Questions
  • 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.

  • 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 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.

  • 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.

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 
The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017
The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017