Spread the cost of your shopping both online and in-store at some of your favourite high-street retailers with our Shopping Card loan, all with our fair, affordable loan options.
Provided by Fair for You – an award-winning, not-for-profit lender rated “Excellent” on Trustpilot.
Borrow up to £350 to spend at Argos, Currys, Iceland and more...
Spread the cost of your shopping both online and in-store at some of your favourite high-street retailers with our Shopping Card loan, all with our fair, affordable loan options.
Provided by Fair for You – an award-winning, not-for-profit lender rated “Excellent” on Trustpilot.
Borrow up to £350 to spend at Argos, Currys, Iceland and more...
Spread the cost of your shopping both online and in-store at some of your favourite high-street retailers with our Shopping Card loan, all with our fair, affordable loan options.
Provided by Fair for You – an award-winning, not-for-profit lender rated “Excellent” on Trustpilot.
Borrow up to £350 to spend at Argos, Currys, Iceland and more...
On track with repayments and outstanding balance under 75% of your credit limit? You can top-up your card up to £350. Apply in your member dashboard.
*Many customers receive a decision within an hour when applying during our opening hours, Mon-Fri 9am-5pm.
On track with repayments and outstanding balance under 75% of your credit limit? You can top-up your card up to £350. Apply in your member dashboard.
*Many customers receive a decision within an hour when applying during our opening hours, Mon-Fri 9am-5pm.
On track with repayments and outstanding balance under 75% of your credit limit? You can top-up your card up to £350. Apply in your member dashboard.
*Many customers receive a decision within an hour when applying during our opening hours, Mon-Fri 9am-5pm.
Food Club customers: please email us at contactus@fairforyou.co.uk before applying for your Shopping Card loan. To be eligible to apply you will need to have paid off your Food Club loan 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.
New customer: Yes, you can apply providing you are over 18 years old and have a stable, regular income and a bank account you can make your repayments from. Your income can be from benefits or employment.
Existing customer: Yes, you can apply providing you are over 18 years old and have a stable, regular income and a bank account you can make your repayments from. Your income can be from benefits or employment. You must also:
If you have a Food Club Card, you're still eligible to apply for a Shopping Card loan but please email us at contactus@fairforyou.co.uk so that we can help you before you apply.
You can use your Shopping Card loan in over 10 high street stores both online and in-store including Argos, Currys, Iceland and more. Click here for the full list.
The application process is quick and easy. If approved, you'll have your Prepaid Mastercard within 10 working days, but it is usually quicker than this. Please note that "working" days does not include bank holidays or weekends.
Our customers say it best - hear how fair lending has changed just a few of our customers' lives.
Our customers say it best - hear how fair lending has changed just a few of our customers' lives.
Our customers say it best - hear how fair lending has changed just a few of our customers' lives.
Say no to high-cost credit and choose Fair For You.
With us, you'll enjoy fair and flexible repayments, choose weekly, fortnightly, four-weekly or monthly instalments, quality products and no hidden fees.
Our online application process is quick and easy, and our friendly customer service team is on-hand to help whenever you need it.
Please note these Retailers are subject to change. More details can be found in your Loan Agreement.
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.
No. The card will be locked and only available to use at our approved retailers.
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.
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 account area.
Most cards arrive in 10 working days. However, sometimes our card supplier needs to double-check some information to keep your account safe.
We want to get your card to you quickly, but we must follow these safety rules to protect your money.
Please note: Sometimes, the supplier does not tell us exactly when they will be finished with their checks. We will be Open with you and let you know as soon as we have an update!
As a social lender, we want what is best for customers, and recommend you search around and look for a good deal - but remember different lenders may offer different repayment flexibility, eligibility criteria and costs (including Annual Percentage Rate or APR), so you need to weigh up the pros and cons.
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.
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.
