Affordable loans.
Helpful advice.
Nice people.
Fair Finance are a direct lender providing affordable loans of up to £3000 for all types of credit situations including bad credit, those on benefits and the unemployed.
Representative Example
If you borrow £500 repayable over 12 months, your total repayment will be £929.40. Your 12 monthly instalments will each be £74.95. We will also charge and a one-off administration fee (6% of loan amount) amounting to £30. The rate of interest applied to the loan is 132% fixed. The Representative APR is 280%.
New customers can apply for a loan of up to £1,000 with repayments terms of between 6 and 12 months.
Existing customers can apply for a loan of up to £3,000 with a maximum repayment term of 18 months.
Money worries? Need information or Advice?
Credit Building? Want to improve your credit score?
How it works
Apply online by clicking ‘Apply ’ on our website
Complete the quick and easy application form
Send us copies of your recent bank statements
We aim to get back to you within 24 hours
Want to know more?
Loans for Bad Credit
Finding loans for people with bad credit can be challenging, especially if you have a low credit score or a history of missed payments, and it can feel difficult to access affordable borrowing. At Fair Finance, we look beyond your credit score and focus on what you can realistically afford to repay.
We offer loans for people with bad credit from £400 to £1,000 with clear terms and no hidden fees. We are committed to responsible lending, so every application is assessed on its own merit, taking into account affordability and other relevant information to help us determine whether a loan is suitable and affordable for your circumstances.
Borrowing money costs money, so it is important to make sure you can afford the repayments before taking out a loan.
- No hidden fees, ever
- Loans from £400 to £1000
- Fast 24hr decisions
- Flexible repayment dates
- All applications considered
Loans for People on Benefits
Finding a loan if you receive benefits can be difficult, as many lenders have strict criteria around income and employment. At Fair Finance, we consider your full financial circumstances, including any benefits you receive.
We aim to provide loans with transparent pricing and repayments based on what you can afford. Eligibility depends on your financial circumstances so you may still be eligible to borrow even if your income comes from benefits.
Borrowing money costs money. Before taking out a loan, make sure you can afford the repayments and consider whether borrowing is right for your circumstances.
- Benefit income accepted
- Regulated by FCA
- £400 minimum loan amount
- Fast 24h decisions
Representative Example
If you borrow £500 repayable over 12 months, your total repayment will be £929.40. Your 12 monthly instalments will each be £74.95. We will also charge and a one-off administration fee (6% of loan amount) amounting to £30. The rate of interest applied to the loan is 132% fixed. The Representative APR is 280%.
New customers can apply for a loan of up to £1,000 with repayments terms of between 6 and 12 months.
Existing customers can apply for a loan of up to £3,000 with a maximum repayment term of 18 months.
LET US ANSWER YOUR FAQ’s
We are a direct lender providing affordable loans of up to £3000
Can I still get a loan with bad credit?
Yes - Fair Finance is one such lender. We lend up to £3,000, even with CCJs or defaults. And unlike many sub-prime lenders, we keep rates competitive (no hidden fees, no late-payment penalties), and reinvest any surplus back into our services lending to more people who are in underserved communities.
I have defaults, CCJs or other issues with credit; can I still get a loan?
We do lend to individuals who have CCJs and defaults. Don’t worry if you have a bad credit history. The most important thing for us is less the past and more the present, and in particular if you are up to date with your current commitments.
How do you make a decision?
At Fair Finance, we pride ourselves in not looking at people as “numbers”, and we don’t rely on a simple credit score to make a decision. During the assessment, we go through your income and expenditure and what debt you may already have, to work out an affordable loan for you. We may also look at things like your bank account management and your credit history to see how you've been managing your finances.
