FAQs

Fair for You will carry out affordability checks including a credit check. If you are already struggling to repay credit, you are unlikely to be able to borrow from Fair For You and should take debt advice. Fair For You will verify the information you are providing and may ask you to photograph supporting information and email it to us. You can check you loan eligibility on our website.

Alternatively contact Money Advice Service or Turn2Us for debt advice.

We are online at www.fairforyou.co.uk, and we require all of our suppliers to confirm they can provide FREE delivery across the UK & Northern Ireland.

Fair for You is a responsible lender. We always want to help our customers to buy the things they need. We will check every loan for affordability each time you apply.

We will agree second loans where we can see you can afford the payments, and may ask for your bank statements to prove this. It is rare for us to consider a second loan just after you have had a loan, and we will often want to see that you have repaid at least 1/3 of your first loan or at least 3 months.

We have a legal obligation to retain the right to decline any loan where we cannot see you can afford the repayments.

All of our example payments are shown over a period of 52 weeks, but we can set the payments to suit your budget. Check our loan calculator to check whether you can afford the loan.

You can overpay your loan at any time, which will pay your loan off earlier, and with less interest. If you do this, so long as your over-payments cover your regular instalment, you can skip a payment. This is because at Fair For You we understand that most families are under pressure for special occasions such as Christmas or Birthdays, and will need more flexibility with repayments.

We strongly recommend every home should have contents insurance, but we won’t make you buy it.

Yes you can. Every item has the manufacturers standard one year warranty. Our retailers will have an extended warranty if you want it. If you wish to extend this warranty then you may do so.  The choice is yours – not ours.

Every month you will get an update by email and text of what you owe. Our service centre is open from 8am-8pm Monday to Friday, 9am-6pm on Saturday and 10am-4pm on Sunday.

Check with your debt management company if they will allow this. We will need their agreement and they must manage the repayment.

Advertising credit isn’t as simple as comparing interest rates. Check our website for why we are different. We always recommend you compare the full price you will need to pay. We try to quote this very clearly as we think it is important for you to be able to compare the full cost.

Installation is included in the basic prices given on the website and in the brochure, but can be removed at check out if you don’t need the service. Installation is available on free standing appliances only. Delivery and removal of old items are included in the retailers price. Delivery covers England, Scotland, Wales and Northern Ireland.

You can always apply again later, we won’t hold that against you.

We don’t want to put extra stress on you and your family if you can’t afford to repay the loan. So we will redirect you to our partners at Turn2Us,  a support service relieving hardship through providing grants, and a benefit checker that could help you find the monetary help you need to buy what you want from us.

A Community Interest Company is a not-for-profit organisation with Community benefit at its heart.

Follow this link for more information on Community Interest Companies.

You will need to be able to make payments by Direct Debit or Debit Card.

We provide loans to buy items chosen from our on line high street. The loans are paid direct to your chosen supplier on your behalf, and you have bought the goods direct from the supplier.

From our Fair for You homepage, you will be able to visit the suppliers’ websites.

Choose your item(s) and apply for a loan. You will hear from us within a day. If we are not confident you can afford the payments, we will ask you for your recent bank statements, especially for larger loans.

We also have a video guide on how to apply here

1. Why do you ask for my internet-banking details?

By inputting your details we are able to view up to 90 days of bank account history. This helps us make our lending decisions, assessing whether and if so what amount of credit is affordable and sustainable for you. As a responsible lender, we work with credit reference agencies to review your creditworthiness. As part of that process it is important for us to verify your incomings and outgoings. Ultimately, this will help us ensure that you do not fall in difficulties in making the repayments due under a loan or incurring further costs and charges. We are only permitted a read- only access to your current account, so will only ever be able to view the recent transactions on your account – nothing more. Your bank details are encrypted in transit and stored securely by our credit reference agency and its services providers. We do not have the ability to change any of your banking details, set up standing orders/direct debits or to manage your account in any other way. All data is securely handled in accordance with data protection laws and our privacy policy.

2. Who sees my internet banking log-in details?

No person can access your internet banking details. When you enter your banking credentials on our website they are securely transmitted. The encrypted details are then passed by our credit reference agency, Perfect Data Solutions Limited and associated service providers. They are stored in a highly secure data centre which has a single use, which is to generate a read-only data-feed which we will use to assess the affordability of the loan.

3. What happens to my internet banking details after input them on your website?

As an organisation, security of data and prevention of fraud are fundamental to us. We are committed to using practices to ensure that our services are provided within a secure environment. Your internet banking details are encrypted and held securely by our professional service providers. Our credit reference agency partner, Perfect Data Solutions Limited and us, are permitted read-only access to your current account, so will only ever be able to view your account. We do not have the ability to change any of your banking details or set up standing orders/direct debits. All data is securely handled in accordance with data protection laws and our privacy policy.

4. What happens to the bank statements you obtain?

They will be used to make lending decisions about you and stored by us as long as necessary to assist us in managing your account or underwriting loan to you. It will be stored by Perfect Data Solutions Limited, which is a credit reference agency, as part of your credit record. This means that anyone who accesses your credit record in future will be provided with a credit score which is based on all the information held about you including your banking history.

5. What will my bank say about me inputting my log-in details into your website?

We would recommend that you review the Terms and Conditions of your internet banking provider. Before you decide to submit your banking credentials, we would stress that security is of paramount importance, we would especially mention that:

  •   Your data is encrypted in transit;
  •   We do not have any functionality over your bank account; and
  •   We only have access to a read only service.
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