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 Shopping Card loan and the Food Club Card. The Food Club Card is in partnership with food-retailer Iceland.
These pre-paid cards are designed to give you the flexibility to shop at some of your favourite retailers as and when you need. Our card products aren't like a regular credit card or Buy Now Pay Later, they're like any other loan with Fair for You, 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.
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.
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.
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.
We aim to get your card out to you as quickly as possible – usually within 7-10 working days, but this can take a bit longer when demand is very high and if there are any delays in the postal service.
You can only have one card loan active at anytime so it's important to choose the best one for your needs before applying.
Yes, you'll just need to pay off your Food Club balance first so that you have a £0 balance. We can then help. Please email us at contactus@fairforyou.co.uk before applying for a Shopping Card loan.
Once you apply if:
There is a risk that your application will be unsuccessful and you will lose access to your Food Club Card. You will then have to wait 3 months before re-applying.
You can use your Shopping Card online and instore at Argos, Iceland, Currys, Euronics, Tapi carpets, Habitat, Chemist Direct and more.
Click here to see Retailers available on your Shopping Card.
Please note these retailers are subject to change. More details can be found in your Loan Agreement.
You can use your Food Club Card exclusively at Iceland and the Food Warehouse, both online and instore.
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.
