Fair Finance Loans

Fair Finance Loans is focused on providing financial services to those who may not be eligible through traditional means. They are committed to providing high quality products at reasonable prices, working to make their services accessible to those in need.


Transparency, responsibility, and sustainability are priorities for Fair Finance Loans. Potential borrowers will be fully informed of the costs associated with their loan, and will need to pass certain affordability checks to ensure that repaying the funds will not create an undue hardship on the borrower based on their current circumstances.


Applications can be completed online or in-person at one of their store locations. While credit checks are completed, each potential borrower’s situation is examined individually before a determination is made. In order to complete the application, you must provide proof of name, proof of address, proof of income, and bank statements. Potential borrowers who are on benefits and are not currently working are welcome to apply.


Loan terms range from 1 to 18 months, depending on the amount borrowed and borrower preference, and can be made in amounts ranging from £100 to £3,000. Once approved, funds can be transferred to the provided bank account within 24 hours.

Fair Finance Loans Criteria

Age Requirement 18
Debit Card Yes
Credit Checks Yes
Same Day Transfer Available Yes
Loan Value Available £100 to £2000
Representative APR 135.8%
Loan Length 6 Months to 18 Months
FCA Registration Number 570496

Representative example: Borrow £700 over 12 months. Total repayment including interest and fees is £1,098.87. Monthly instalments of £89.24 and a one-off 4% administration fee of £28. Interest (fixed) is 139% per year with a representative 153% APR

Fair Finance Loans Review

Fair Finance Loans provides instalment loans to individuals who may not otherwise be eligible for financing. Each potential borrower is treated as an individual and will be interviewed by an appropriate advisor to help determine which products or options may be the most beneficial in both the short and long-term.


The associated interest rate is 99 percent per annum, making this a more cost-effective option than many traditional payday loan lenders. The rate is based on the costs of doing business, including re-investing in the business in order to improve the services being offered.


There is an administration fee in the amount of 5% of the total loan amount, or £25, whichever is higher. This fee helps cover the costs associated with fulfilling your loan request and administration associated with the processing and maintenance of your account. Administrative fees are only charged when a loan is approved.


Some borrowers may be eligible to top up their current loan once 50% of the original loan has been repaid, and depending on the borrower’s current circumstances. Top up requests are subject to a 4% administration fee. Additionally, borrowers in good standing may receive discounts on the associated interest rate. Support can be reached during standard business hours either over-the-phone, online, or in-person.