Fair Finance

87 reviews

153% 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 £1,098.87. 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

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Fair Finance customer reviews.

87 reviews

4.2 out of 5 stars

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

Highlights

  • 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

Fees

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

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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

www.fairfinance.org.uk

02089880627

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