Brilliant company Been with fair finance for many years now, most recently i applied for a loan and got accepted, the process was smooth and painless. i did apply for £3000 but got £1000 offered to... See more
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We offer a range of financial products and services designed to meet the needs of people who are financially excluded. We are committed to providing high quality products and services that are affordable and accessible. Wherever possible we work in partnership with other companies and agencies that share our goals. Most of our customers are ignored by the mainstream financial services industry and exploited by the sub-prime financial services industry. When we have helped to put the loan sharks and predatory lenders out of business, then we will know we have been successful. We offer: Fair Personal loans providing affordable personal loans to individuals who don’t have any or have only limited access to mainstream finance.
18 Ashwin Street, E8 3DL, London, United Kingdom
Replied to 83% of negative reviews
Typically replies within 1 week
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Reply from Fair Finance

Reply from Fair Finance
Fair Finance (a trading name of East End Fair Finance Limited) offers loans that are extremely expensive and difficult to justify.
As an example, borrowing £500 over 12 months results in a total repayment of £929.40 — almost double the amount borrowed. On top of that, there’s a one-off administration fee of £30 (6% of the loan), meaning the true cost is even higher from the start. Monthly repayments are £74.95 for 12 months, which is a heavy burden for a relatively small loan.
The interest rates are the biggest concern. The loan carries a fixed interest rate of 132%, with a representative APR of 280%. These figures are extremely high and feel exploitative, particularly as this type of lender often targets people who may already be in financial difficulty.
While the repayments are at least clearly structured, the overall cost makes this loan very poor value. Borrowers end up paying hundreds of pounds just for the privilege of accessing a modest amount of money.
I would strongly urge anyone considering Fair Finance to look at credit unions, community lenders, or other more affordable options before committing.
Verdict: Expensive, high-interest lending that places a significant financial strain on borrowers.

Reply from Fair Finance
The service received was fast, positive, great!
No delays, great communication
Minimal time spent applying
Well recommend

Reply from Fair Finance
"FAIR FINANCE HEAD & SHOULDERS ABOVE ANY OTHER LOAN COMPANY" Fair finance are 100% the best loan company going.Polight people in customer services, they are always there to help. Fair Finance are the very best, as they do care if your disabled or have a bad credit score.Most companies wont give you the time of day! Especially if your in receipt of "P.I.P. If you have long term life dissability like myself. Thankyou yet again for your help..i'd advise anyone to take a loan out with "Fair Finance" Thankyou Again.

Reply from Fair Finance
Can't even get a awnser no reply. I've made two applications recently and still not heard anything

Reply from Fair Finance
Worst customer service, but they might improve in about 10 years but unfortunately they will be investigated by FCA by then and probably shut down. They breach direct debit rules every other business follows the rules but they are saying they are different.

Reply from Fair Finance
Im so glad i came arcoss this email to apply for a loan with you im so gratefull & it will help me out so much i cant thank you enough

Reply from Fair Finance
This is the 3rd loan ive asked for and they have helped me and my little lady again the only loan company I actually trust it dont matter if they can not help if it wasnt right for me but they have helped me so much I much love this company wouldnt go any where else 💖
Never give negative feedback back if they can not help there are reasons to why they can or can not help but they do actually help everyone in any given situation.
So much love for this company 💓 💕 💗

Reply from Fair Finance
Straightforward application, not too many questions, and easy to link open banking. Applied Saturday afternoon, accepted Monday morning and funds received before 4pm same day. No fuss at all. If you need money quickly these guys are ideal, you pay a bit more, but dealt with with minimum fuss

Reply from Fair Finance
Absolutely excellent service my loan application was approved and when I called Customer Service they were very helpful and respectful
I certainly would recommend my friends who need a loan

Reply from Fair Finance
Reposting because they got this review I won’t be silent from the truth!
Useless company! I have been with them since May last year and never missed a payment and always pay on time. My online account said I could apply for a top up loan. They emailed yesterday asking for information which I had given what the loan was for. This morning I have been unsuccessful. Clearly loyal customers means nothing to this company!

Reply from Fair Finance
Brilliant company
Been with fair finance for many years now, most recently i applied for a loan and got accepted, the process was smooth and painless. i did apply for £3000 but got £1000 offered to me, which is understandable, but hopefully once i pay this back and in the near future they may offer me a higher amount as a good customer. i would recommend fair finance as a great option if you need a loan at short notice!

Reply from Fair Finance
No where in their documentation do they tell you that the 'top up' loan will be used to pay off current loan with you only getting the difference in amounts. My bank adds the funds on e.g 200 outstanding and topping up 1k....your new loan is £1200.
If i wanted less than £600 I'd have gone elsewhere, as now im having to take a second smaller loan elsewhere to pay my for second LPG delivery this quarter due to weather hitting -6c for the last month (unfortunately its not cheap to run rural heating)

Reply from Fair Finance
I wanted a loan but as I am a new customer they would only allow me as£1000 loan
I need around 3000 to get a decent car I can't with a £1000 loan. Called fair finance . well not been fair with me.

Reply from Fair Finance
Dishonest liars , take money ,
Reps contradict each other , overpayments aren’t added to the balance rather applied as CREDIT!!!! wtf! Do not redress any interest on overpayments , force you to pay the full balance no matter what !!! Sneaky ! Do not respond , seem to have no clue what they’re doing ,recorded my own calls , will be taking the further !! Avoid this company like the plague !!! Ignore they’re pathetic attempt to pretend they want to help all calls recorded , all proof ready for the ombudsman , company isa complete scam , do not have anything to do with this company , the replies to this review are complete rubbish they don’t help at all nor do they do anything apart from steal your money , no redresses , lies and more lies

Reply from Fair Finance
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