Absolutely amazing and for me a lifesaver! After my old washing machine broke down I was in a panic, wondering how I was going to afford this unexpected expense! I found fair for you and I can now spr... See more
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I have been with Fair4U for years now and cannot fault it. I would love to see more items on there. The whole experience from joining to ordering is really easy and the website is easy to navigate. Yo... See more
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Resolving issues and going above and beyond in finding resolutions for any problems that might occur. As a customer, I am truly grateful that this is an option for me. Improving one room at a time.... See more
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I have been a customer of fairforyou for a few good years, and in my time with them I have found them very helpful and the goods they offer are of a high quality and a very good payment structure to w... See more
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Company details
About Fair for You
Written by the company
Unsurprisingly, being called ‘Fair for You’, we really care about fairness. We believe that people who are less well-off or whose financial circumstances are more difficult than most should not have to pay more for credit.
Fair for You helps you buy essential household products directly from our trusted retailers by providing you with fair, affordable finance. You apply for a loan from us, which we pay directly to the retailer of your chosen product when you complete your purchase.
Your product will come to you straight from the retailer, ensuring you get top quality products from well-known retailers like Whirlpool, along with all the delivery, installation, and aftercare support you’d expect.
With a Fair for You loan, you can choose how long you’d like to borrow for and how frequently you’d like to pay. You can pay weekly, fortnightly, four-weekly or monthly and borrow for as long or short a period as you like. You can even change your repayments if your circumstances change.
The shorter the loan period you choose the less interest you pay overall. We’re a bit different from other lenders, which means there are no charges or fees if you’d like to pay a bit extra towards your loan. The faster you pay, the less you pay.
You can pop over to the Fair for You website to find out more about our flexible finance options and how they may be able to help you: www.fairforyou.co.uk/how-it-works
Written by the company
- Fair for You is your alternative to high cost weekly payment stores. We're a British-based, not-for-profit lending company, set up for the benefit for you and your family.
- We understand that circumstances can change from day to day and that sometimes this is out of our customers control.
- We don’t charge late fees and will work with you to rearrange a payment plan should you fall off track. We will not repossess your item/s if you’re finding it difficult to keep up with your payments or use bailiffs.
Contact info
Unit 8 Elm Court, Meriden Business Park, CV59RG, COVENTRY, United Kingdom
- 0333 433 0739
- enquiries@fairforyou.co.uk
- fairforyou.co.uk
4.6
Excellent
19K reviews
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Replied to 98% of negative reviews
Typically replies within 1 week
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Brilliant company
I have used fair for you for a few years now and they have always been brilliant. I got approved in less than 24 hours and my order has already been dispatched. Easy to apply and customer service is excellent
29 October 2026
Application straight forward everything…
Application straight forward everything explained clearly
29 October 2026
I was accepted for a card that was sent…
I was accepted for a card that was sent to me, and it didn't work. I was humiliated three separate times at Iceland checkout. The product I was using was The Food Club Card. After two weeks of waiting, I still didn't have a product that worked. I was also stipulated to make "repayments" for the same credit that I wasn't able to even use. Customer service claimed to me that they had fixed it. They had not fixed it. I was humiliated an additional time at Iceland checkout. I have contacted Fair For You customer service many times. 5 or 6 times. They simply say that it is "looked after by a different department." So far, no solution. None. I want to give the lowest rating possible.
13 October 2026
Helpful and quick
28 October 2026
Been using fair for you for over a year…
Been using fair for you for over a year easy to use hassle free and reasonable prices
26 October 2026
Reply from Fair for You
Hi Lindsay,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Unable to use anymore.
Was using these for years then got sent to prison(not my fault) got into default. Got out paid as soon as i could now my food club cards been revoked and i can no longer use this.
23 October 2026
Unprompted review
Reply from Fair for You
Hi Brian,
Thank you for your review.
We’re sorry to hear about your experience and understand that this may be disappointing.
As part of our collections process, if no payments have been received, we allow up to 120 days for a payment arrangement to be agreed. If we do not hear from you during this period and no payment arrangement is in place, we may need to terminate the agreement. This means your Prepaid Card will be cancelled.
Once an agreement has been terminated, we are unable to reverse this decision or reinstate the card.
If you have since repaid your outstanding balance, you are welcome to submit a new application, which will be assessed in line with our lending criteria.
If there is anything else we can help you with, please do not hesitate to contact us at contactus@fairforyou.co.uk.
Kind regards,
Customer Experience Team
well at the beginning trying get to…
well at the beginning trying get to operate the card it was different language, it is very helpful as with prices rising and pension not it is very helpful
20 October 2026
Reply from Fair for You
Hi Pamela,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Honestly I lost all hope I desperately…
Honestly I lost all hope I desperately needed a new washing machine after mine exploded and fair to you didnt ask all them awkward questions ot was as simple as 123 and I was accepted tha k you so much for helping a mum who's disabled and needed help
23 October 2026
Reply from Fair for You
Hi,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
★☆☆☆☆ Disappointing experience for a…
★☆☆☆☆ Disappointing experience for a loyal customer
I have been a customer with Fair for You for over a year, during which time I have bought everything from a Nintendo Switch and shopping card to a washing machine. I have received all my items and paid every installment on time without ever missing a single payment. Even though my payments are up to date and I am actively paying off my remaining items, my recent experience has forced me to leave this review.
While this company has good points on paper—being a not-for-profit and helping people access a variety of items—their "Fair" slogan feels increasingly false. Despite my creditworthiness, proven track record, and being part of their "Good Payers Club," I was still turned down for a recent order. What makes it worse is that they used to allow you to appeal a decision, but now they don't even offer that option. I feel that loyalty should actually mean something, yet a long-standing, reliable customer is treated no differently than anyone else.
To top it off, they don't even make your credit limit or available spending amount clear, leaving you to be unnecessarily embarrassed by an unexpected decline.
Because of this, I have decided to cut ties with Fair for You. I will be leaving a review for every active order I have until everything is fully paid off. It's unfortunate, but this company has officially lost a loyal customer.
23 October 2026
Unprompted review
Reply from Fair for You
Hi Sienna,
Thank you for sharing your feedback and for being a Fair for You customer over the past year. We appreciate the trust you have placed in us and the care you have taken to keep your payments up to date.
We understand how disappointing it can be when a new application is declined, particularly when you have a positive payment history with us. However, we would like to clarify that our appeals process is still in place. If you would like us to review the decision, you can appeal by responding directly to the email you received advising you of the decline.
While we appreciate that you would like to understand the reason for the decision, we are unable to disclose the specific reasons for declining an application, as this would involve revealing our internal lending criteria.
As a lender regulated by the Financial Conduct Authority (FCA), we must operate within the rules and regulations set out for us. We have a responsibility to lend responsibly, and our lending criteria are designed to support this and ensure we remain compliant with our regulatory obligations. We must apply these criteria consistently when assessing applications, which means that a positive payment history or previous successful applications cannot guarantee approval for future borrowing.
We also appreciate your feedback regarding the clarity of available spending limits and will share your comments with the relevant team.
Thank you again for your feedback and for choosing Fair for You for your previous purchases. We are sorry that your recent experience has left you feeling disappointed, and we hope you will consider using our appeals process so that your application can be reviewed.
Kind regards,
Customer Experience Team
I have been with Fair4U for years now…
I have been with Fair4U for years now and cannot fault it. I would love to see more items on there. The whole experience from joining to ordering is really easy and the website is easy to navigate. You also have a choice on payment terms and you get to choose the date you want to pay. Delivery is is no longer than a week. I look forward to being with them, for years to come.
15 March 2026
Reply from Fair for You
Hi Tracey,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Easy to deal with
20 October 2026
Reply from Fair for You
Hi Karen,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Weekend payment issue
Would be a 5 star review.BUT! I got the food shopping card and initially had £200 on it which I was able to top up to £350. Easy to use, I dont know why it dosent allow you to tap the card while using instead of chip and pin? Secondly ive been paying religiously and a payment was due to come from my account on Saturday the 17th of this month. Most DD due on a Saturday come out on the Monday, Monday came and still they hadn't tried to take the money out, I have went to my account and it say I am in arrears!! I have manually paid my "arrears" but sorry this isnt good enough have emailed support team as why should i be peanalised .. other than this that has annoyed me.. great service and would recommend
17 October 2026
Unprompted review
Reply from Fair for You
Hi Lezelle,
Thank you for your review.
Regarding your payment due on the 17th, we collect payments using a continuous payment authority rather than direct debit. This means that if a payment is due on a weekend, we will attempt to collect it on the scheduled day. If you would like to understand why your payment wasn't successful, please get in touch so our team can look into it for you.
Regarding contactless payments, when you receive a new card, you need to make your first payment using chip and PIN before you can use contactless. For security reasons, there are also limits on contactless payments to help protect customers against fraud and unauthorised use.
We hope this answers your questions. If you need anything else, please do not hesitate to contact us at contactus@fairforyou.co.uk.
Kind regards,
Customer Experience Team
Reply from Fair for You
Hi Dawn,
Thank you for your review.
Although we know that our retailers won't be able to compete with high street retailers or other discount stores on some products, we do ask them to try to be in line as much as possible.
We try to balance this with making as broad a range of products available as possible. We will raise these examples with them to see if anything can be done.
Our mission really is to help and support people, not to cause more financial worry. We absolutely encourage paying without credit wherever possible, however, we know that this isn’t always an option, especially when budgets change - so we've tried to build a service that can support that change.
I hope this helps.
Kind regards,
Customer Experience Team
So easy to use and no hidden fees .
So easy to use and no hidden fees .
Support when needed is always helpful
29 September 2026
Reply from Fair for You
Hi Daisy,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Easy as pie x
13 October 2026
Reply from Fair for You
Hi Sharon,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Reply from Fair for You
Hi Desni,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
The application was easy to do and…
The application was easy to do and service was quick and easy didnt take long at all
24 July 2026
Reply from Fair for You
Hi Tina,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
I've been with fair for you a few years…
I've been with fair for you a few years now and never no problem, always there to help if a problem always willing to help, this company has helped out loads for my kitchen white goods
Thank you FFY
6 October 2026
Reply from Fair for You
Hi,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Always easy to apply and very fast…
Always easy to apply and very fast response . Fast delivery of goods and emails and texts to keep you updated on delivery times. Just the best company ever .
9 October 2026
Reply from Fair for You
Hi,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
Reply from Fair for You
Hi,
Thanks so much for your kind words. We really appreciate it!
We’re always looking for customers to share their stories in more detail - it really helps other people who may not know us to feel more confident in choosing Fair for You. If you'd be happy to talk more about your experience, please email us at marketing@fairforyou.co.uk, and we'll explain what’s involved and what we offer in return.
Thanks again for your support. It really does mean a lot to our team.
Kind regards,
Customer Experience Team
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