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
Tom has been Chair of the trustee board since Fair for You started. He is a writer and consultant on responsible and sustainable business and the author of ‘The Company Citizen’. He has chaired a number of major charities over the years and was a Member of Parliament, 1997-2010.
Lindsay Melvin
Lindsay MelvinTrustee
Lindsay brings much experience in finance and management to the Fair for You charity board. He is currently a Vice President at Feedback plc, board chair at Flexiwage and advisor to the Payroll Centre. For many years he was CEO at the Chartered Institute of Payroll Professionals. An active member of the Solihull business community, Lindsay was proclaimed Business Person of the Year by the local Chamber of Commerce in 2012. He has completed three London Marathons.
Alan Dodds
Alan DoddsTrustee
As Chair of our Marketing and Communications Committee Alan has over 45 years’ experience in the retail banking, insurance and credit union sectors. He was CEO of Cuna Mutual Group 2008-2012 and from 2003 ran his own marketing and consultancy business, working with financial services retail brands in the UK.
Alan worked more than 30 years with Lloyds TSB in marketing and retail financial services for SMEs, charities and the retail personal sectors. He served on the Coventry and Warwickshire NHS Partnership Trust board between 2012-2019.
Tony Claytor
Tony ClaytorTrustee
Tony brings a long career, and huge expertise in the personal finance sector. He has held various directorships in financial services organisations as well as being a board member of the Consumer Credit Trade Association for many years, including terms as Vice Chair and Chairman.
Jill Bonehill
Jill BonehillTrustee
Jill has spent her career in the general insurance, health and wellbeing and HR related sectors. She is currently working for Citizens Advice. Jill is also an experienced non executive director.