How It Works

Step 1
Shop products from trusted retailers

Explore hundreds of quality products from our trusted retailers, from dishwashers and tumble dryers to microwaves and beds. 

See all categories 
Step 2
Apply for an affordable loan

It's easy to apply for a loan with Fair for You, with much lower rates than other lenders. Just fill in a few details to help us understand a bit about your circumstances. Most customers get an instant decision but you’ll normally hear from us in no more than an hour (during normal opening hours), although sometimes we may need up to a day to make the best decision for your needs. Credit limits vary by product and eligibility.

Fair for You Household Item Loan (Core Loan)

Borrow up to £600 to shop online on the Fair for You website and choose from a wide range of quality household essentials from our trusted retailers. If you need it, choose to have your old appliance taken away and your new one installed by our delivery partners.

Fair for You Shopping Card Loan

Borrow up to £350 to shop online and in store at approved high-street retailers, including Argos, Currys and Iceland. The Shopping Card loan offers flexibility, allowing you to use your credit when you need it and shop across multiple retailers.

 

Want to see what your repayments might look like? Check out our handy calculator that will give you an idea of what your loan repayments might be.

See loan FAQs 
Step 3
Receive your item

Applied for a household item loan? You'll get your item in as quickly as 3 business days with fast, free nationwide delivery on most items. Many products are available for next-day delivery with free removal and low-cost installation options available for home appliances.

Applied for a Shopping card loan? You'll receive your pre-paid Mastercard via Royal Mail within 7-10 working days and can then start shopping online and in-store at the retailers available.

See all categories 
Step 4
Repay on your own terms

With Fair For You, you can choose how long you’d like to borrow for and how frequently you’d like to pay. You can pay weekly, fortnightly, four-weekly or monthly and borrow for as long or short a period as you like. You can even change your repayments if your circumstances change.

Our monthly interest rate is 4.25%. The shorter the loan period you choose the less interest you pay overall. We’re a bit different from other lenders, which means there are no charges or fees if you’d like to pay a bit extra towards your loan. The faster you pay, the less you pay.

Trustpilot
Shop by category
The shop by category component will be shown here.
Shop online & in-store with a Fair For You Prepaid Mastercard

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, all still with our fair, affordable credit options.

Apply now 
Explainer videos

Providing clarity on frequently asked questions

Frequently Asked Questions

  • 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.

    If you re-apply within 30 days of your first application this will not affect your credit score. Any application over 30 days will require a new credit search which can show up on your credit file.

  • Watch our explainer video to find out more

    We do carry out credit searches—but we don’t rely on generic credit scores. Instead, we focus on how you’re repaying things right now. We might also run identity checks.

    To give you the best chance of being accepted, we may ask you to share your open banking data. Sounds scary, but it’s not. It just helps us understand your financial situation better—and our numbers show it actually improves your chances of getting a “yes” from us.

    Want to test the waters first? You can use our loan calculator—it will show you how much you can borrow and repayment rates, it won’t leave a mark on your credit file. Think of it as window shopping for loans.

    See our privacy policy for more details.

  • 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.

  • Our loans work like a Buy Now Pay Later alternative for groceries, food and home essentials, all with Fair for You's fair, affordable credit options.

    However we are not a Buy Now Pay Later (BNPL) store. We are a not-for-profit lender wholly owned by the Fair Credit Charity. We provide credit to purchase household items directly from approved retailers including Currys, Argos, Iceland and more. Interest may apply depending on the product you choose. 

    Unlike BNPL, you choose how often you repay: weekly, fortnightly, four weekly or monthly and the length of the loan (between 12-52 weeks). You can also overpay, with no penalties.

    In a nutshell: we provide fair, affordable finance with flexible repayments that can suit people on benefits and with poor credit in the UK. To find out if we're an affordable option for you, check out our loan calculator tool.

Contact us

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 
The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017
The application was really simple. It was all done and agreed and delivery time set within a day. I can do all of our washing really easily and it has helped improve our lives.
— Charlotte, March 2017