# Fair Finance

> Fair Finance is a not-for-profit social business and FCA-authorised direct lender based in London, offering affordable personal loans of £100 to £1,000 (new customers) repaid over 6 to 12 months, as a fair alternative to payday and doorstep lenders. We consider applications from people with bad credit, on benefits or on Universal Credit, and we never charge hidden fees. We also offer free money advice and credit-building help.

## Loans

- [Personal loans](https://fairfinance.org.uk/personal-loans/): what we lend, the cost and how to apply
- [Bad credit loans](https://fairfinance.org.uk/bad-credit-loans/): loans for people with a poor credit history, decided on affordability
- [Loans for people on benefits](https://fairfinance.org.uk/loans-for-people-on-benefits/): borrowing when some or all of your income is benefits
- [Loans for people on Universal Credit](https://fairfinance.org.uk/loans-for-universal-credit/)
- [Loans for people on PIP](https://fairfinance.org.uk/loans-for-people-on-pip/)
- [Direct lender loans](https://fairfinance.org.uk/direct-lender-loans/): we lend our own money, with no brokers
- [Short term loans](https://fairfinance.org.uk/short-term-loans/)
- [Quick loans](https://fairfinance.org.uk/quick-loans/): how fast a decision and payment can be
- [Payday loans](https://fairfinance.org.uk/payday-loans/): a fairer alternative to a payday loan
- [Online loans](https://fairfinance.org.uk/online-loans/): applying from your phone or computer
- [Unsecured loans](https://fairfinance.org.uk/unsecured-loans/)
- [Guarantor loans](https://fairfinance.org.uk/guarantor-loans/): why we don't ask for a guarantor
- [12 month loan](https://fairfinance.org.uk/12-month-loan/)
- [£500 loan](https://fairfinance.org.uk/500-loan/)
- [£1000 loan](https://fairfinance.org.uk/1000-loan/)

## Applying

- [How our loan application works](https://fairfinance.org.uk/loan-application-process/)
- [Before you begin](https://fairfinance.org.uk/before-you-begin/): what you need to apply
- [FAQs](https://fairfinance.org.uk/faqs/)
- [Manage my account](https://fairfinance.org.uk/managemyaccount/)

## Help with money and credit

- [Credit building](https://fairfinance.org.uk/credit-building/): how repaying on time helps your credit profile
- [Credit repair advice](https://fairfinance.org.uk/credit-repair/): free organisations that can help
- [Benefits calculator](https://fairfinance.org.uk/benefits-calculator/)
- [Personal inflation calculator](https://fairfinance.org.uk/personal-inflation-calculator/)
- [Bad credit FAQs](https://fairfinance.org.uk/bad-credit-faqs/)

## Optional

- [News and guides](https://fairfinance.org.uk/news/)
- [Alternatives to other lenders](https://fairfinance.org.uk/alternative-to-wonga/): how we compare with payday and doorstep lenders