Fair Finance

65 reviews

109.6% Representative

Will lend between: £100 - £1,000

Over: 6 - 18 Months

Representative example: Borrow £700 over 12 months. Total repayment including interest and fees is £1,010.42. Monthly instalments of £81.87 and a one off 4% administration fee of £28. Interest (fixed) is 96.1% per year with a representative 109.6% APR

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Fair Finance customer reviews.

65 reviews

4.1 out of 5 stars

Personal loan
13:29 19-07-2017
ImageChoose Wisely

I received a courtesy call the day after I applied to tell me there was a delay in processing, but that they would give me the decision within a further 24 hours. 24 hours later still no decision so I called them back and was told it was still undecided but they would call me by 5pm that day. They didn't. I called again the following afternoon and was then given my decision but was told I had been emailed and called earlier that day. I received neither call nor email. Really disappointing customer service.


Quick & Hassle Free
21:58 06-06-2017
ImageChoose Wisely

I applied for a loan and really impressed by the systematic working, which was really really fast and highly efficient. If you are new to this country and looking for some support. This is the Best. Look no further.


12:45 08-11-2016
ImageChoose Wisely

Exceeded my expectation of not getting hassled based on reception and appreciation from the numerous lenders who wish to do business with you.

Arnold Nwaozo

I always come back to Fair Finance
12:35 08-11-2016
ImageChoose Wisely

I always come back to Fair Finance.


customer service
12:09 08-11-2016
ImageChoose Wisely

I am very happy with the services I receive and very good customer services

Natasha Siddens

great customer skills
10:51 08-11-2016
ImageChoose Wisely

took long to be contacted about a decision but overall the customer service is great!

tanika pencille

Not so fair finance
10:21 20-06-2016
ImageChoose Wisely

I have applied for a loan of £200 and was approved, which is great but... Firstly, I had to wait 3 days for decision. Secondly, Fair Finance states on their website that they charge upfront admin fee of 5% of the loan value, which in my case should be £10. After a phone chat with a representative, it appears that the admin fee for my loan is £25 which is whooping 12.5% of the loan. Very misleading website. If the information was stated correctly wouldn't bother applying for a loan. £10 is acceptable but not £25 especially on such a small loan. If one includes admin fee and interest rates, loan becomes too expensive to consider. Just wasted my time.

Karolina Stempien

Our review of Fair Finance

Fair Personal Loans is a high-cost short-term lender based in London and they offer instalment loans up to £3,000. Their whole ethos is about fairness and responsibility and they aim to be as transparent as possible. You can apply for a Fair Personal loan either online or in one of their branches. In regards to consumer reviews of Fair Finance, those we have on Choose Wisely are mostly positive with considerable credit given to their customer services.

As with any high-cost short-term product the usual warning applies. If you have any doubt whether you can afford to repay your loan on time and in full, then don’t apply. If you have money worries or need help - just give them a call. 

Overall verdict: As their name suggests Fair Finance have a heavy emphasis on their responsibility as a lender and giving you a fair deal - it's worth noting there is an arrangement fee of 6%.

Written by: Alex


  • Able to lend to those on benefits
  • Loan top ups available
  • Can be paid weekly or monthly
  • Regular repayments help with budgeting
  • Can borrow up to £3,000 once you've proven you can make repayments on time

Minimum criteria

  • You must be at least 18 years old
  • You must be able to visit one of their branches to apply
  • You need to take 3 months’ bank statements
  • You will need to prove your address
  • You must have a passport or driving license
  • You need to supply proof of income


  • Maximum APR 207%
  • Arrangement fee: £4
  • Early repayment fee: £0
  • Late payment fee: £0

Fair Finance Customer Question & Answers

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About Fair Finance

Fair Finance offer high-cost short-term loans between £100 and £1,000 and up to £3,000 for return customers over periods of 6 to 18 months at a representative APR of 109.6%. They consider applications from customers that are either working, on benefits or have poor credit history. They offer flexible repayment terms and customers can either pay the instalments weekly or monthly.

To complete the application you can do so either on-line or by visiting one of the Fair Finance branches for a face-to-face interview. 

Fair Finance do allow loan top-ups, however, you’ll need to have proven your trustworthiness by making six months worth of good repayments and re-paying at least 50% of your loan. To apply for a top-up, you’ll need to call Fair Finance and do this over the phone.

Company information

Registration number: IP29889R



Print House 18 Ashwin Street Dalston London E8 3DL

FCA registration

Reference No: 717247

Trading names: Fair Finance

Place of business: Print House 18 Ashwin Street Dalston London E8 3DL

Data protection registration

Registration No: Z910781X

Data controller: East End Fair Finance

Address: Print House 18 Ashwin Street Dalston London E8 3DL

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Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk