Soft Search

Check to see if you're eligible for a loan from Fair for You without leaving a footprint on your credit file. This is called a soft credit search.

Applying for a loan or credit can feel like a daunting task. You may not be sure how the process works, whether you’ll be accepted, or the potential impact it could have on your credit score. That’s where a soft credit search can help you make a more informed decision without the added worry.

It’s natural to be cautious, and sensible to arm yourself with all the facts before diving in. We’ve put together some answers to help demystify the process and make using our soft search tool a little easier.

Want to see if you’d be approved? It only takes a few minutes and won’t appear on your credit file.

Check if I qualify 
Peace of mind

Get an idea of whether you’d be accepted with no footprint on your credit file

Quick and easy

Find out if you’re eligable for a loan with a few simple questions and get instant results

Free to use

Doing a soft search is completely free and it won’t harm your credit file

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

  • 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 seek debt advice. Any checks we conduct can only assess your current position and do not consider any unforeseen circumstances that may arise.

    If you are declined it doesn't mean you can't apply again if your circumstances change. You may also be eligible if you apply for a lower amount so you may wish to consider alternative products.

    You might be entitled to more benefits - please try this free Benefits Calculator from Policy in Practice to see if you’re entitled to anything extra.

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

  • 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 or check future dates.