Personal loans. A better way to borrow.

We are a direct lender providing affordable loans of up to £3000

Want to know more?

How much would you like to borrow?

400
1000

Duration of loan

6
12

Borrow

£500

Duration

9 Months

Admin Fee

36

Monthly repayments

£500

Interest

£309

Total to repay

£945

Representative Example

If you borrow £500 over 12 months, your total repayment is £929.40. Your monthly instalments will be £74.95 and a one off 6% administration fee of £30. Annual Interest (fixed) is 125% per year with a 280% Representative APR.

New customers can apply for a loan of up to £1000 for between 6 and 12 months.
Existing customers can apply for a loan of up to £3,000 for a maximum 18 months.

1

Apply Online

Or speak to one of our team.

Apply online
1

Get approved!

Decision within 24 hours

Apply online
1

Money in 24 hours

Receive funds in your account within one working day.

Apply online

PRICE COMPARISON* OF A £500 LOAN FOR 26 WEEKS

Mr Lender
PAY£878.07
Mr Lender
PAY£835.15

CHEAPEST

Mr Lender
PAY£728
Mr Lender
PAY£995
Mr Lender
PAY£963.93
*Price quotes taken from company websites. Correct as at March 2025 – For exact quotes please refer to the company websites

We take the stress out of Borrowing

Our Vision

Our vision is to revolutionise financial services to make it more inclusive and fair for everyone.


Our Mission

Our mission is to design and deliver financial services that improve financial wellbeing and have a positive impact on our clients.

Our values

We believe that:

Want to know more?

WHY BORROW A FAIR PERSONAL LOAN

Bad Credit? On Benefits? New to the UK?

No problem. We assess every loan to ensure everyone gets a fair chance.

Discounts for existing customers

Repaying your loan will allow you to borrow more and each loan will be cheaper.

No hidden surprises

We don’t charge for late repayments or for making early repayments

LET US ANSWER YOUR FAQ’s

We are a direct lender providing affordable loans of up to £3000

Why should I come to Fair Finance?

Fair Finance is a social enterprise. We aim to tackle financial exclusion. We build products for people with financial problems. We offer the cheapest price we can that is responsible and sustainable. We are actively transparent clear and honest.

Yes, we lend to those who are working or are on benefits.

We aim to tackle financial exclusion and build products for people with financial problems. Please visit our dedicated credit page for more information. We are actively transparent clear and honest.

Any more questions?

Money worries? Need information or Advice?

Managing your finances can be daunting and complicated.

Credit Building? Want to improve your credit score?

Your credit history tells lenders about the loans you’ve borrowed, payments you made or missed, and any fraud.