TABLE OF CONTENTS

• Loan for Household Items
• Shopping Card
• Food Club Card
• At a glance

It's easy to apply for a loan with Fair for You, with much lower rates than other lenders. To apply you will need to fill in a few details to help us understand a bit about your circumstances. Most customers get an instant decision but you’ll normally hear from us in no more than an hour (during normal opening hours), although sometimes we may need up to a day to make the best decision for your needs. Credit limits vary by product and eligibility.

Loan for Household Items

Borrow up to £600 to shop on the Fair for You website and choose from a wide range of quality products from our trusted retail partners.

Whether you're looking for a washing machine, bed, furniture, or another essential household item, you can spread the cost with affordable repayments. If needed, you can also arrange for your old appliance to be removed and your new one installed by our delivery partners.

Benefits:

• Borrow up to £600

• Shop online at Fair for You

• Fast, free delivery on most items

• Many products available for next-day delivery

• Optional appliance removal and installation services

• Up to three active loans at a time, subject to eligibility

• Interest applies, and you'll repay the loan through affordable instalments.

View our available items here

Shopping Card

The Shopping Card gives you the flexibility to shop online and in-store at a range of approved retailers, including Argos, Currys, Iceland, and more.

Borrow up to £350 on a prepaid Mastercard that can be used across multiple partner retailers, helping you buy what you need, when you need it.

Benefits:

• Borrow up to £350

• Shop online and in-store at approved retailers

• Flexible spending across multiple stores

• Prepaid Mastercard delivered within 7–10 working days

• Opportunity to apply for top-ups, subject to eligibility

The card is funded by an interest-bearing loan, and you'll make affordable repayments over time.

Apply for a Shopping Card Here

Food Club Card

The Food Club Card is designed to help with food shopping at Iceland and The Food Warehouse.

With up to £100 available on a prepaid card, it's a simple way to spread the cost of groceries when you need extra support.

Benefits:

• Borrow up to £100

• Shop at Iceland and The Food Warehouse

• Interest-free

• Prepaid card for food shopping

• Top-up opportunities available during selected periods throughout the year, such as school holiday support schemes

Apply for a Food Club Card Here

At a glance:

All products are subject to affordability, eligibility and repayment checks. Customers must not be in arrears to apply for additional borrowing or top-ups.