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Shop at your favourite retailers with our Shopping Card Loan

Shop at your favourite retailers with our Shopping Card Loan

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 loan, available exclusively to Good Payers Club members and all still with our fair, affordable credit options.

How it works

If you are topping up for the first time, you can apply for an initial loan amount between £50 – £350
If your application is successful, you will receive an email response from us to confirm you have been approved. Many customers receive a decision within an hour (when we’re open)*
Receive the Fair for You Prepaid Mastercard & shop at any of the available Retailers with the balance on your card
Your minimum repayments will be set as per your loan agreement but you choose the frequency of your repayments, whether its weekly, fortnightly, four-weekly or monthly. Take a look at our calculator below to see what your estimated minimum repayments might be.

If you are on track with all current loans with us and your outstanding balance is under 75% of your credit limit, you can take out further credit for additional shops up to a total of £350 outstanding at any one time. You can submit top up requests in your member dashboard.

How it works

If you are topping up for the first time, you can apply for an initial loan amount between £50 – £350
If your application is successful, you will receive an email response from us to confirm you have been approved. Many customers receive a decision within an hour (when we’re open)*
Receive the Fair for You Prepaid Mastercard & shop at any of the available Retailers with the balance on your card
Your minimum repayments will be set as per your loan agreement but you choose the frequency of your repayments, whether its weekly, fortnightly, four-weekly or monthly. Take a look at our calculator below to see what your estimated minimum repayments might be.

How it works

If you are topping up for the first time, you can apply for an initial loan amount between £50 – £350
If your application is successful, you will receive an email response from us to confirm you have been approved. Many customers receive a decision within an hour (when we’re open)*
Receive the Fair for You Prepaid Mastercard & shop at any of the available Retailers with the balance on your card
Your minimum repayments will be set as per your loan agreement but you choose the frequency of your repayments, whether its weekly, fortnightly, four-weekly or monthly. Take a look at our calculator below to see what your estimated minimum repayments might be.

Apply for your Shopping Card loan

We are not currently accepting new applications for the Shopping Card loan. We’re getting ready to re-launch the Shopping Card with new retailers and features later in the year.

Already have a shopping card? You can still use it and top it up as normal. We’ll let you know all about your new retailers and features as soon as they’re ready, and how to access them.

Recently applied for the card? If you applied for a Shopping Card and are waiting to hear if you’ve been successful, don’t worry - your application will be processed as normal, and we’ll be in touch soon.

You can still shop with us: you can still apply for a loan to buy appliances, furniture and other high-quality household items - click here to start shopping.

Food Club customers: please email us at contactus@fairforyou.co.uk before applying for your Shopping Card. To be eligible to apply you will need to be a member of the Good Payers Club and have paid off your Food Club Card balance in full.

The Fair for You Prepaid Mastercard is issued by Prepaid Financial Services Limited pursuant to a license by Mastercard. Prepaid Financial Services Limited is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference Number 900036, for the issuance of electronic money and provision of payment services; Registered Office; Prepaid Financial Services Ltd, 4th Floor, 35 Great St Helen’s, London, EC3A 6AP. Company Registration number: 06337638.

Retailers available with a Fair for You shopping card

Please note these Retailers are subject to change. More details can be found in your Loan Agreement.

Frequently Asked Questions

No. The card will be locked and only available to use at our approved retailers.
You can use shopping card loan in a variety of high street stores and online. The latest list of eligible stores is shown here.
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 account area. You can also request a change to your repayment schedule there.

If you continue to miss payments without contacting us to arrange an alternative plan we will add a default fee of £9.50 to cover our costs of sending required letters and other communications.
You are eligible to apply for the Shopping Card if you are a member of the Good Payers Club (GPC).
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.
You can repay your loan early with no penalty fees. Simply log into your customer account area and make a payment
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 only have one Fair for You Prepaid Mastercard loan active with us at anytime. Therefore it's important to choose the best one for your needs, learn more about a Fair for You revolving card loan.

See all frequently asked questions

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.

Get in touch