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. Fair for You 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. Our Mission is to change the way we lend to lower income families in the UK. We will ensure that credit services are designed better to meet the modern borrowing needs of low income families. We expect as a result more lower income households are able to use good credit well and not be trapped in a spiral of debt. This will alleviate persistent child poverty being passed down to future generations. We do this through: Research: we have access to huge amounts of financial and credit data, as well as thousands of live customers eager to engage in developing better solutions. Develop: we will develop better solutions for families that need credit for essential items. Testing: we will test the outcomes of delivering better solutions. Reporting: we will report openly, transparently and fully the outcomes of our work.