Fair Finance
Borrow up to £3,000 with fixed interest, flexible terms, and clear admin fees. Fast decisions and no credit broker – a direct, trusted lender for UK residents.
Fair Finance offers direct loans up to £3,000, tailored for both new and existing clients across the UK. The interest rate is a fixed 132%, with a representative APR of 280%.
New clients can borrow up to £1,000 with repayment periods between 6 and 12 months, while existing customers can access loans up to £3,000 for up to 18 months. A one-off admin fee of 6% applies.
For example, borrowing £500 over 12 months results in total repayments of £929.40 (£74.95/month), including a £30 admin fee.
How to Apply for a Fair Finance Loan
1. Begin your application online by clicking the apply button on their website.
2. Fill out the quick and easy form with your basic details and loan preferences.
3. Submit recent bank statements as part of the verification process.
4. Receive a response, typically within 24 hours of submitting your application.
5. If approved, review and accept the offer to receive your funds.
Key Advantages of Fair Finance
Fair Finance stands out for its clear costs and fixed interest rates, so you always know what you’ll repay.
The straightforward, 24-hour application process means you can access your funds quickly when you need support.
Potential Drawbacks to Consider
The representative APR is notably higher than many mainstream lenders, reflecting the cost of short-term borrowing.
Additionally, the admin fee adds to the total loan cost, so it’s important to factor this into your budgeting.
Our Verdict
Fair Finance is a strong choice for borrowers seeking fast, transparent loans with flexible terms. It’s especially useful for those unable to access traditional bank credit.
However, you should carefully assess the higher interest rates and fees against your ability to repay comfortably.
