What is a Fair for You revolving card loan?

As a not-for-profit we are continually reinvesting our money to create new products and solutions to meet our customers’ changing needs.

Two of our latest innovations have been the GPC exclusive Shopping Card and the Food Club Card launched in partnership with food-retailer Iceland. These cards are designed to give you the flexibility to shop at some of your favourite retailers as and when you need.

Our card products are just like any other loan, you agree a payment date and payments are taken out from this date as chosen by you and outlined in your loan agreement.

The loan repayments are not linked to any spend on your prepaid card – making sure that the card is flexible to you and your needs. When and how you spend the funds with each retailer is entirely up to you – meaning that you can use all, or part of the funds, as and when you need it.

Shopping Card versus Food Club Card: Which is best for me?

The right product for you will depend on how you’d like to shop and top-up your card, and the type of customer you are.

We’ve popped some handy information in the boxes below to explain the differences and help you find the best card for you.

You can only have one card loan active at anytime so it's important to choose the best one for your needs - compare and learn more about our card products below.

Shopping Card versus Food Club Card: Which is best for me?

The right product for you will depend on how you’d like to shop and top-up your card, and the type of customer you are.

We’ve popped some handy information in the boxes below to explain the differences and help you find the best card for you.

You can only have one card loan active at anytime so it's important to choose the best one for your needs - compare and learn more about our card products below.

Who’s eligible to apply?
Shopping Card

Existing members of the Good Payers Club over 18 years of age who:

  • Are up to date with all their repayments
  • Are ¼ or fully repaid on all their loans
  • Have no more than 2 active loans
  • Have no existing card loan
Food Club Card
  • New customers over 18 years old
  • Existing customers over 18 years of age who:
    • Are up to date with all their repayments
    • Are 1/3 (¼ for GPC members) or fully repaid on all their loans
    • Have no more than 2 active loans
    • Have no existing card loan
Which is right for me?
Shopping Card
  • Shop online and instore at lots of high-street retailers including Argos, Currys and Iceland.
  • Apply for up to £350 credit limit
  • Choose whether you pay weekly, monthly, fortnightly or 4-weekly
  • Top-up whenever you need throughout the year (eligibility rules apply - £350 maximum outstanding at any time)
  • Interest Rate 51% per annum fixed (Equivalent to 64.8% APR)

Apply now

Food Club Card
  • Shop online and instore at Iceland
  • Apply for up to £75 for your first load, with up to £100 outstanding at any one time for future top-ups
  • Set £10 weekly payment
  • Top-up windows open around the school holidays - up to 6 times a year (eligibility rules apply - £100 maximum outstanding at any time)
  • 0% interest

Apply now

When will I start repaying my loan?

Your first payment will be taken on the date chosen by you and outlined in your loan agreement. Repayments are not linked to the spend on your card or its activation date.

When will I receive my card?

We aim to get your card out to you as quickly as possible – usually within 5-7 business days, but this can take a bit longer when demand is very high and if there are any delays in the postal service.

Can I have a Shopping Card and a Food Club Card at the same time?

You can only have one card loan active at anytime so it's important to choose the best one for your needs before applying.

Where can I use my Shopping Card?

You can use your Shopping Card online and instore at Argos, Iceland, Currys, Carpetright, Habitat, Chemist Direct and Middletons. Please note these retailers are subject to change. More details can be found in your Loan Agreement.

Where can I use my Food Club Card?

You can use your Food Club Card exclusively at Iceland both online and instore (including at The Food Warehouse).