Fair Finance

252 reviews

Representative 266.9% APR

Will lend between: £100 - £800

Over: 6 - 12 Months

Representative example: If you borrow £500.00 over 6 months at a Representative rate of 266.9% APR and an annual interest rate of 189% (fixed), you would pay a one off 6% administration fee of £30 and then 6 monthly installments of £111.45. The total charge for credit will be £168.70 and the total amount payable will be £698.70

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Fair Finance customer reviews.

252 reviews

3.7 out of 5 stars

Our review of Fair Finance

Fair Finance is a social and ethical lender offering installment based loans of up to £1,000. The business was set up in 2005 to offer a fair and responsible alternative to high cost lenders. Their aim is to focus on customer needs and also offer advice and support if they can’t advance a loan. You can apply for a Fair Finance loan online or by phone and get a decision within 24hrs. Reviews are mostly positive with considerable credit given to their customer service. 

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%.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 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 can apply online or by phone
  • You will need to provide 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 266.9%
  • Arrangement fee: £6
  • Early repayment fee: £0
  • Late payment fee: £0

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About Fair Finance

Fair Finance offer installment based loans up to £1000. They consider applications from customers that are either working, on benefits or have a poor credit history. They offer flexible repayment terms and customers can either pay the installments weekly or monthly. To complete the application you can do so either on-line or by phone. 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 moneyhelper.org.uk