Shopping at Lloyds Pharmacy with your Fair for You Shopping Card loan

Fair for You is delighted to announce that the Fair for You Shopping Card loan can be used at Lloyds Pharmacy.

This allows you to spread the cost of everything from shampoo and vitamins to NHS prescriptions, weight loss support and more.

We’ve heard from customers who have already used their Fair for You Shopping Card loan to improve their health and get back control of their finances, like one recent customer, who told us:

“A year ago I was in a really bad place - I weighed 30 stone, and was in a lot of debt. I knew I wanted to do something about both of those issues. Even though I was getting on top of my debts, I kept getting rejected by other lenders, which meant I couldn’t afford the help I needed with my weight loss. Then I found Fair for You, and the Shopping Card loan has given me a chance to get things fixed. The sooner you face up to your issues - whether it’s weight or debt - the sooner you can fix it.”

(Customer experience. Credit is subject to eligibility and should be used responsibly.)

In this blog, we explain shopping at Lloyds Pharmacy with your Fair for You Shopping Card loan - what you can buy, how the repayments work, and more.

What is Lloyds Pharmacy?

LloydsPharmacy.com ’s mission is to make high-quality, person-centred healthcare accessible to every household in Britain.

Lloyds Pharmacy previously had high street branches, but it is now online-only.

What can I buy at Lloyds Pharmacy with my Shopping Card loan?

LloydsPharmacy.com sells a range of everyday health products such as:

• Over-the-counter medicines such as cold and flu medicines, and painkillers
• Vitamins and supplements
• Shower gel, shampoo, soap and other toiletries
• Skincare and beauty products
• Weight loss and weight management products
• Sunblock, mosquito spray and other travel health products
• Nappies, formula and other baby and child products
• Incontinence pads
• Period products and women’s health products
• …and lots more!

They also dispense and deliver NHS repeat prescriptions nationwide, and their website includes trustworthy digital advice, treatment guides and health resources written by UK-registered clinicians.

For some purchases, you may first need to speak to one of Lloyds Pharmacy’s qualified pharmacists.

What is a Shopping Card loan?

A Fair for You Shopping Card loan is provided on a prepaid Mastercard that you can spend online or in-store at some of your favourite retailers, with a payment schedule that works for you. You can take a loan from £50 up to £350, and you can choose to pay in flexible weekly, fortnightly, four-weekly or monthly installments

This isn’t the same as a regular credit card or Buy Now Pay Later (BNPL) loans.

Like any other loan with Fair for You, payments aren’t linked to your purchases but are taken on the date that you choose when you sign up. You can make sure that the loan is flexible to you and your needs.  

How can I use my Shopping Card loan at Lloyds Pharmacy?

It’s simple to use your Fair for You Shopping Card loan at Lloyds Pharmacy and LloydsPharmacy Online Doctor:

1. Check your current Shopping Card loan balance, or apply for a loan if you're new to Fair for You.
2. Visit LloydsPharmacy.com and explore their products and services.
3. At checkout, pay with your Shopping Card loan. You can select Mastercard and then enter the 16 digit card number, Expiry Date, and CVC on the prepaid card.
4. Repay in flexible instalments chosen to suit your circumstances.

New to Fair for You?

Check your eligibility and apply for the Shopping Card loan here.

The application process is quick and easy, and many people receive a decision within an hour when applying during our opening hours (Monday-Friday 9am-5pm).

Your prepaid Mastercard will be sent in the post with Royal Mail. You should receive it within 10 working days, but it’s usually quicker.  

Please remember: The Fair for You Shopping Card loan is a credit product. Credit is subject to affordability and eligibility checks. Borrowing responsibly is important. Missed payments may affect your credit file.

Can you use a Shopping Card loan for prescriptions, weight loss services and over the counter medicines?

Yes, you can use your Shopping Card loan to pay for prescriptions and other services.

For some purchases, you will have to speak to one of Lloyds Pharmacy’s team qualified doctors, nurses and pharmacists.

Can I get my prescriptions for free?

Many people get free NHS prescriptions. This includes children; adults aged 60+; people receiving certain benefits (and their partners); pregnant women and new mothers; and people with certain medical conditions or disabilities.

See if you can get free NHS prescriptions on this page on the Lloyds Pharmacy website, or you can use the NHS website. If you do have to pay, the charge is £9.90 per item.

Is a Shopping Card loan a good idea for healthcare costs?

Since Fair for You was set up in 2015, more than 100,000 customers have used our loans, which can help spread the cost of essential items, for example if you would instead have to wait a long time until you’d saved the money.

When you take out a Fair for You Shopping Card loan, it’s important to remember:

• It is a form of credit, so interest will be applied
• You should make sure that the repayments are affordable for you
• With a Fair for You loan, you can make an early repayment with no penalties
• Missing payments might impact your credit file, although we won’t charge you late fees
• If you are having difficulty keeping up with your payments, we want to support you. We’ve made this short video explaining what happens and how we’ll support you if you miss a payment:

What other help can I get with health costs and budgeting?

If you need help specifically getting pharmacy products like shampoo, tampons, nappies or toothpaste, you may be able to get these for free from a local Hygiene Bank. Hygiene Banks are like food banks, but they only provide hygiene, health and pharmacy products.

Some food banks also provide these products, and you can find out how to access them via Citizens Advice.

If you live in Scotland, you can get free period products - find more information on the Scottish Government website or via the PickupMyPeriod app.

If you are struggling with bills and budgeting, there are places to get help and support. For tools to help check your benefits, deal with debt or manage your budget, look through the resources we have listed here.