Frequently Asked Questions

You are eligible to apply for the Shopping Card if you are a member of the Good Payers Club (GPC).

You can use shopping card in a variety of high street stores and online. The latest list of eligible stores is shown here.

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 check your card balance on your customer dashboard.

Your Fair for You prepaid card will arrive unactivated, but it’s simple to activate: just log into your customer account area and your card will be shown with instructions on how to activate, after which you'll be able to use it to make transactions.

Please email us at contactus@fairforyou.co.uk if you have lost your card. To cover our costs there is a £5 fee for any replacement cards. Once your request has been confirmed, your new card should be with you within 5 working days.

Please email us at contactus@fairforyou.co.uk if you have lost your card. To cover our costs there is a £5 fee for any replacement cards. Once your request has been confirmed, your new card should be with you within 5 working days.

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.

No. The card will be locked and only available to use at our approved retailers.

Your card needs to be treated the same as a credit/debit card in store and online.

In store your card will need to be swiped in order to pay using the in store payment terminals (usually on the same device you would put in a card to pay by chip & pin).

Please process payments online as a Mastercard and enter your own name where it asks for 'Name on Card', when prompted for a Security Code please enter the CVC2 on the back of the card.

Part payment can only be made instore where you will need to pay the difference first and use the card for the remainder of the transaction. No pin is required for this card.

You can only have one pre-paid card 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.

Unfortunately in some areas, Argos has changed how they take payment online and they are using PayPal. This payment method will not work with our cards. However some customers have had success ordering through Argos online as a guest, we would encourage you to try this method if this is your preferred option. We are waiting for an update from them on this and how long this will be on their site. In the meantime, you can place orders in-store using your card.

We cannot say for certain as we don't perform an affordability check until you have selected a product to purchase and submitted an application. Our soft search tool can give you an indication as to whether you might be eligible for a loan from us.

As a responsible lender, fully authorised and regulated by the Financial Conduct Authority, we want to help you access affordable and flexible credit that is right for you and your circumstances. That’s why we carry out credit and affordability checks as part of our loan application process.

It's easy to apply — you'll just need to provide some basic details about yourself and your circumstances — and most customers receive an instant decision. Sometimes we'll need to take a little longer to review your application and you'll receive your decision within 5 working days, but it is usually much quicker than this.

We do perform credit searches when you submit a loan application which will show on your credit file and may be factored into your score calculations.

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 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.

We do not provide cash loans. We provide finance to buy items directly from our approved retailers. The money is paid direct to your chosen retailer on your behalf, either automatically via our marketplace or when you spend online / instore using one of our cards, and you then own the goods outright.

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

As part of our responsible lending policy, we have to verify your identity. We use your National Insurance number to do this because it is a key piece of identification that is personal to you and stays with you.

As a responsible lender, fully authorised and regulated by the Financial Conduct Authority, we want to help you access affordable and flexible credit that is right for you and your circumstances. That’s why we carry out affordability checks as part of our loan application process.

One way of carrying out these affordability checks is by asking to see your bank statements – either online through secure Open Banking or via paper records. This allows us to gain insight into your income and expenditure which helps us decide whether a loan from us will be suitable for you.

Yes. Providing you have a stable, regular income and a bank account you can make your repayments from, you’re eligible to apply.

We look at how you’re managing your existing credit from your credit file and sometimes from your Bank Statements via Open Banking.

If it looks like you’re struggling to pay your existing credit we won’t be able to lend to you because we can’t evidence that you can afford another loan on top of the ones you already have.

There may be misreporting on your credit file, so do check your credit file regularly to see what’s on there and if there’s anything wrong – dispute it.

Use Credit Karma:

• It’s free;
• You can check your credit file;
• You can dispute it in a couple of clicks.

You can appeal our lending decision, just reply to our email declining you and explain why – give us extra information that you think is relevant to your application that would help explain why you can afford the loan.

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

• If you are a member of the Good Payers Club, you need to have repaid 1/4 of each of your loans to become eligible to apply for another loan.
• If you are not a member of the Good Payers Club, you need to have repaid 1/3 of each of your loans before you are eligible for another loan.

Please contact us if you need to cancel your order for any reason.

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. We may also conduct identity checks. You can learn more in our privacy policy.

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 might be eligible for a loan with us.

Please contact loans@fairforyou.co.uk if you need any help with your application

Please contact loans@fairforyou.co.uk if you need any help with your application

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.

No. The card will be locked and only available to use at Iceland stores (including Iceland online and The Food Warehouse stores).

You can only have one pre-paid card 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.

You can use your prepaid card at Iceland, both in-store or online.

Free recycling of old appliances is available with some purchases.

If it is available, when in your basket you will see the option to tick for removal of old appliance as well as additional services like connection of your new appliance.

Please make sure you select any services that you need (note there may be a connection fee which will be shown in your basket).

Delivery is dependent on our retailer partner's stock levels and the type of product ordered.

Appliances can usually be delivered within 3 business days.

Some items take longer to deliver as they are made to order.

Typically our retail partners deliver most products right across the UK. The product pages on our website show if the retailer doesn't deliver to any specific areas.

Please contact your supplier directly for information on changing your delivery date. You can find the supplier for your order along with their contact details in your account area.

Dorset Home Stores

• Phone: 01935 315030
• Email: info@dhsonline.co.uk

For more information about your Dorset Home Stores order, click here.

Whirlpool

• Phone: 03448 224 224
• Web Chat: www.hotpointservice.co.uk

For more information about your Whirlpool order, click here.

• You’ll be automatically invited to join the Good Payers Club via email when:· You’re up to date with your payments and;
• You’ve been with us for more than six months, or you’ve paid off your first loan* with us
  
  * If your first loan is for a Food Club Card you will need to have paid off your first loan balance and have been with us for 6 months to be eligible to join the Good Payers Club.

You can log into the Good Payers Club by logging into your customer account area.

You are purchasing the goods direct from your chosen retailer, they are not rented. This means you own your items from the start. We provide a loan for this purchase so your repayments are then scheduled with us.

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

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.

To set up a new payment plan please visit your customer account area. Here you can request changes to your payment amount and payment frequency.

You can add a new card securely on your customer account area.

You can view how much you owe by logging into your customer account area.

Our interest rate is 51% per annum (equivalent to 64.8% APR).

If your supplier is Whirlpool please contact via them their live chat at www.hotpointservice.co.uk or call them on 03448 224224

If your supplier is Dorset Home Stores please contact them on 01935 315030 or email info@dhsonline.co.uk

Our suppliers give us frequent updates on stock levels. If you want a specific product, but its currently out of stock, please check back later.

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

The free eligibility check result will give you an indication as to whether you will be accepted without leaving a hard footprint on your credit file.

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 Benefits Calculator to see if you’re entitled to anything extra.