We Get It - fairness for real life finances

We get it.

At Fair for You, we know that anyone can face tough finances due to life happening - unexpected events, health conditions, disability and other situations can all make things tighter.

We also know that the vast majority of people on lower incomes are very financially savvy. Helping them to spread their costs rather than putting up barriers is best for them, best for business and best for society.

Life isn’t simple and people shouldn’t be judged for circumstances beyond our control - whether that is having an accident or an illness that puts us out of work; the extra pressures of being a single parent, or the additional costs of looking after a child with additional needs. 

Sometimes a streak of bad luck requires a temporary helping hand to get somebody back on track. Sadly, many businesses and the credit scoring system penalise people for real life, typical problems.

We get it.

At Fair for You, we know that anyone can face tough finances due to life happening - unexpected events, health conditions, disability and other situations can all make things tighter.

We also know that the vast majority of people on lower incomes are very financially savvy. Helping them to spread their costs rather than putting up barriers is best for them, best for business and best for society.

Life isn’t simple and people shouldn’t be judged for circumstances beyond our control - whether that is having an accident or an illness that puts us out of work; the extra pressures of being a single parent, or the additional costs of looking after a child with additional needs. 

Sometimes a streak of bad luck requires a temporary helping hand to get somebody back on track. Sadly, many businesses and the credit scoring system penalise people for real life, typical problems.

We get it.

At Fair for You, we know that anyone can face tough finances due to life happening - unexpected events, health conditions, disability and other situations can all make things tighter.

We also know that the vast majority of people on lower incomes are very financially savvy. Helping them to spread their costs rather than putting up barriers is best for them, best for business and best for society.

Life isn’t simple and people shouldn’t be judged for circumstances beyond our control - whether that is having an accident or an illness that puts us out of work; the extra pressures of being a single parent, or the additional costs of looking after a child with additional needs. 

Sometimes a streak of bad luck requires a temporary helping hand to get somebody back on track. Sadly, many businesses and the credit scoring system penalise people for real life, typical problems.

We Get It - and our vision is to change lives through better lending

We get it.

Money is tight. The cost of living is high. Life can get hectic.

You deserve to be listened to and treated with respect.

But we know that often, if you have a low income, receive benefits, have disabilities or health issues, are a single parent or a carer, you don’t get that. You might actually be treated worse. 

You deserve to choose what you buy. 

You deserve to be trusted to look after your finances.

And yes, you deserve to feel in control of your finances. 

We get it.

This is our hub for advice and support for customers who deserve that respect but don’t always get treated fairly. 

“My family’s finances are stretched by having children with additional needs. My 8 year old has severe autism and he hammers his clothes and shoes - he went through 10 pairs of shoes last year. 

It used to be very hard to afford to buy healthy food in the school holidays so I’d fill them up with biscuits. Now that I use the Iceland Food Club zero interest credit scheme, I can offer them better food including fruit and veg.”

Amanda, a mum of four, and a Fair for You customer

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

“My family’s finances are stretched by having children with additional needs. My 8 year old has severe autism and he hammers his clothes and shoes - he went through 10 pairs of shoes last year. 

It used to be very hard to afford to buy healthy food in the school holidays so I’d fill them up with biscuits. Now that I use the Iceland Food Club zero interest credit scheme, I can offer them better food including fruit and veg.”

Amanda, a mum of four, and a Fair for You customer

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

Flexible, affordable loans for whatever life throws at you

Fair for You is different to other lenders. We’re a responsible lender, a not-for-profit, and owned by a charity. 

We don’t rely solely on credit scores. We know that other factors, like how you’re repaying things right now, and your current finances, can be more important. Even if you’ve been turned away by another lender, or don’t think you can get a loan, we we aim to assess every application fairly based on your individual circumstances. We just need to know if you take out a loan today, can you afford to pay it back.

We're here to help make sure you get the support that works best for you. 

And if we're not the best option, then we'll be upfront about that. 

*Missed payments may impact your credit file. Only borrow what you can afford to repay.