Rating based on 20 reviews

Fair Finance


  • Loans bad credit up to £3,000
  • Cheaper loans
  • Repayment up to 18 months

In-page navigation

Fair Finance homepage

Author Fair Finance. Screenshot of Fair Finance website. [Accessed September 12, 2019]

About Fair Finance

We believe that everyone is entitled to fair finance and aim to tackle financial exclusion within the UK.

Our bad credit loans are developed to fit the needs of borrowers with financial problems.

We have affordable loans

The loans we offer are at the cheapest price possible and we operate with full transparency and honesty. What makes Fair Finance different is that we even lend to borrowers who are not currently working and are receiving benefits. Everybody deserves a fair chance and we are willing to give that to you today.

Service with a smile

When lending from us we will always make you a priority. Whether you apply online or make an appointment in-store, our friendly staff will treat you with the respect you deserve. If you applied online we are committed to getting a response to you within one working day. If you make an in-store appointment, we will respond to you immediately.

Fair Finance Services

With Fair Finance we do not believe that bad credit or a poor financial situation should stand in the way of you obtaining a loan.

With Fair Finance you can borrow up to £1000 at a competitive interest rate of 149% which is excellent in comparison with other lenders who often charge well over 1000%.

Fair Finance offers fair personal loans

We believe that not granting loans to those who need them most is only making their bad credit worse. When borrowing with one of our Fair personal loans you can borrow from £100 to £1000 payable over a period of six to eighteen months. You have the option between weekly and monthly payments

Loans for people on benefits

Just because you have been rejected for a loan based on your income profile in the past, does not mean that we share the same belief as other lenders. Borrow up to £1000 payable over six to eighteen months either weekly or monthly. The only requirement is that you earn above £350, are a UK resident and over the age of eighteen.

Fair Finance Product Details

  • Loan Type Loans bad credit
  • Loan Amount up to £3,000
  • Repayment 18 months
  • Decision 24 hours

Summary of Services

  • Customer rewards
  • Flexible repayment periods
  • No fees for early or over payments

Rest assured that you'll be treated fair at Fair Finance

Whether you simply struggle to understand the ins and outs of lending or you are currently struggling with debt you can get assistance from Fair Money Advice.

Fair Money Advice is a registered charity providing debt advice and services. They aim primarily are assisting individuals to regain control of their financial situation. You will never have to worry about making poor financial decisions again.

Fair Finance offers Business Loans

Starting a business is an exciting undertaking and when your loan application is denied it can put a damper on the excitement. At Fair Finance we provide finance of up to £30 000 to small businesses and entrepreneurs who are struggling to obtain finance. Simply check your eligibility on our website and receive an instant response. Then continue to complete your application and we can start making your dreams come true!

Where do I sign up?

When applying for one of our loans you can do so via the online application on our website or in-store during an appointment. When applying you need to bring proof of identity, proof of address, proof of income and a recent bank statement.

If you are approved you can have the money in your account within 24 hours. We are transparent with all fees incurred and are happy to report that you will not have to pay late payment fees or additional payment fees. We only charge an administration fee that covers bank processing fees.

Fair finance with fair options

Understanding all the financial jargon can be daunting and overwhelming. We know that not everyone is fully clued up on finances and do not want our customers to make ill-informed decisions. This is why we also offer financial advice.

Is it your dream to open a business but your credit record is just not in your favour? At Fair Finance we have business loans to give you the boost of confidence and money that you need to get your business on its feet.

Customer Reviews & Testimonials

February 2019

Money was transferred into my account in an hour

Thomas L
— Birmingham —

July 2019

The consultant who was assisting me was very fantastic and went beyond what I expected

Oscar Harris
— Manchester —

December 2018

Very organised and secure with their security checks

Williams H
— Brighton —

May 2019

Excellent customer service from the start to finalising the loan

Greg S
— Cardiff —

Fair Finance Contact Details

Physical Address

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday 10:00 – 12:00
  • Sunday – Closed