Fair for You has set up a wholly owned subsidiary which is different to other lenders. Its the first national on line challenge to high cost credit in the UK.

We are different from other lenders, we are fully transparent and not run for profit which means we are able to offer a fair deal.

We are driven by a team that believes we can lend better into family households. We firmly believe that when this is done well, it keeps families out of poverty and not trapped within it.

Welcome To Fair For You

We are a registered charity with the objective to alleviate poverty through better credit solutions for lower income family households and to influence how we lend as a society to lower-income families.

It is the sole owner of Fair for You Enterprise CIC, which lends to customers the money to buy household items from suppliers on its ‘digital high street’.

As a charity, we have four key objectives:

  • We help relieve poverty by offering access to affordable credit to low income households, to purchase goods for the home.
  • We provide Social Impact reporting to measure outcomes and to share that learning with stakeholders, to influence the wider credit market.
  • Campaigning for, and reporting on, better credit solutions that meet the borrowing need of lower income families.
  • Helping educate policy makers, the social sector and regulators of the issues facing our customers and the real costs of borrowing.

We are driven by a team that believes we can lend better into family households. We firmly believe that when this is done well, it keeps families out of poverty and not trapped within it.

It is well documented that families are being impacted by fluctuating income and the rising cost of living, and there is a clear need for access to affordable and flexible credit when hit by emergencies and unexpected costs. It is equally well documented that many are being damaged by current lending practices operating widely in Britain today.

Fair for You Enterprise CIC is a niche lender which enables those with limited access to credit, to be able to purchase items for the home and their families through provision of effective and supportive finance solutions that are designed around the customer, following our extensive customer research, testing and feedback.

As a charity we will release social impact reports regarding our work.

Our Trustees

Tom Levitt
Tom LevittOur Chair
Considerable experience of the third / voluntary sector in UK including Chair of trustees, Concern Worldwide (UK); Chair of trustees, the Coalition for Efficiency (promoting charity effectiveness); Trustee, The Work Foundation; Non-executive Director, Outreach Solutions Ltd; Chair of Parliamentary group on the voluntary and community sector; and Chair of Community Development Foundation.
Lindsay Melvin
Lindsay MelvinTrustee
CEO of the Chartered Institute of Payroll Professionals, who are actively engaged in a wide range of initiatives to provide better solutions to employees through their payroll – especially into savings with credit unions.
Alan Dodds
Alan DoddsTrustee
Non Executive Director and Vice Chair of Coventry and Warwickshire Partnership NHS Trust. Recently retired from a long career in banking and insurance, with considerable experience in the credit union sector.
Lucy Caldicott
Lucy CaldicottTrustee
Lucy is a charity leadership and governance expert. She is Vice Chair of Fair for You and also serves on the boards of the Fundraising Regulator and Hope and Homes for Children. She has previously done senior roles at Diversity Role Models, CLIC Sargent and VSO.
Tony Claytor
Tony ClaytorTrustee
Vice Chair, Consumer Credit Trade Association. Tony brings a long career, and huge expertise, in the personal finance sector.
Alison Taylor
Alison TaylorTrustee
Operations Director at Turn 2 Us, brings expertise in strategic planning, and managing operations within the third and statuory sectors, proven expertise working collaboratively to achieve measurable results.
Howard Taylor
Howard TaylorTrustee
Regulatory consulting specialist primarily focusing on conduct issues for banks and wealth management firms, experience of the changing regulatory environment.
Brian Hall
Brian HallTrustee
Brian Hall is accredited as Chartered Director by the IoD, and was recently appointed to the National Council of the IoD. Brian won the IoD West Midlands Director of the Year 2015. Brian also serves on the CBI and is a fellow of the Institute of Sales and Marketing Management.

Brian has been involved in the world of corporate and personal insurance since 1984, and has been a key figure within BHSF for over 14 years. First as Group Sales and Marketing Director and later as Managing Director of BHSF Employee Benefits.