I paid back my loan three months early and promised email confirmation that the loan was repaid however does not matter how often I email or call no confirmation is provided. If I check my account on... Voir plus
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Lisez les avis des autres
Diona at fair finance appears to be very popular. She responded personally to getting bank statements by email. I am hoping the top up process is a success. As used this company for many years no... Voir plus
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 n... Voir plus
L'entreprise a répondu
Very easy to apply I have bad credit and tried every were as I need my car fixing and fair finance came to my rescue
À propos de l'entreprise
Écrit par l'entreprise
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.
Coordonnées de contact
18 Ashwin Street, E8 3DL, London, Royaume-Uni
- 02089880627
- enquiries@fairfinance.org.uk
- fairfinance.org.uk
4,3
Excellent
2 k avis
Demande des avis aux clients
Cette entreprise invite régulièrement ses clients à laisser des avis, qu’ils soient positifs ou négatifs.
A répondu à 57 % de ses avis négatifs
Répond généralement dans un délai d'une semaine
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Réponse de Fair Finance
Hi there,
Thank you for taking the time to leave us a fantastic 5-star review!
We’re delighted to hear you found our service great and the response quick. It’s wonderful to know we could make the process smooth for you.
We appreciate your support and look forward to assisting you again if needed.
Best regards,
Fair Finance Team
Very Poor Value – Excessive Cost of Borrowing
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.
5 février 2026
Avis spontané
Réponse de Fair Finance
Hi Jack,
Thank you for your detailed feedback.
We take your concerns very seriously. Our loans aim to offer fair access to credit for those who might otherwise be excluded, with full transparency on terms (including the £30 admin fee, 132% fixed rate, and 280% representative APR) as required by the FCA. While these rates are higher due to the risk profile we serve, we always encourage exploring all options, including credit unions.
If there’s anything specific from your experience you’d like to discuss further, please email us at enquiries@fairfinance.org.uk
We appreciate your perspective and hope to address your concerns.
Best regards,
Fair Finance Team
The service received was fast
The service received was fast, positive, great!
No delays, great communication
Minimal time spent applying
Well recommend
29 janvier 2026
Réponse de Fair Finance
Hi Karen,
Thank you so much for your fantastic 5-star review and kind words! We’re thrilled to hear the service was fast, positive, and hassle-free with great communication throughout. It’s lovely to know you’d recommend us—thank you for choosing Fair Finance and for taking the time to share your experience.
We look forward to helping again if needed!
Best regards,
Fair Finance Team
"FAIR FINANCE HEAD & SHOULDERS ABOVE…
"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.
4 février 2026
Avis spontané
Réponse de Fair Finance
Hi Robert,
Thank you so much for your wonderful 5-star review. We’re truly touched to hear that you feel Fair Finance is head and shoulders above other loan companies, and that our polite, supportive team has made such a positive difference.
Your kind recommendation means a great deal to us, and it’s fantastic to know we’ve been able to help you again. We’re committed to supporting everyone who needs us, no matter their circumstances, and feedback like yours encourages us to keep going.
Thank you again for choosing Fair Finance and for taking the time to share your experience—we really appreciate it!
Best regards,
Fair Finance Team
Can't even get a awnser no reply
Can't even get a awnser no reply. I've made two applications recently and still not heard anything
27 janvier 2026
Avis spontané
Réponse de Fair Finance
Hi Darren,
We are sorry to hear about your experience and understand your frustration. We strive to provide timely responses, and we apologise that we haven't met your expectations in this case.
Please contact us directly at enquiries@fairfinance.org.uk so we can assist you further and resolve any issues with your applications. Thank you for your feedback.
Best regards,
Fair Finance Team
Im so glad i came arcoss this email to…
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
23 janvier 2026
Excellent service
22 janvier 2026
Réponse de Fair Finance
Hi Donna,
Thank you for your excellent review. We look forward to assisting you again whenever needed.
Thank you for choosing Fair Finance.
Best regards,
Fair Finance Team,
Réponse de Fair Finance
Hi Guillaume,
Thank you for your 5-star review and for your kind words. We're happy to hear that you found our team very proactive and that you experienced excellent customer service.
We look forward to assisting you again whenever needed.
Thank you for choosing Fair Finance.
Best regards,
Fair Finance Team,
This is the 3rd loan ive asked for and…
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 💓 💕 💗
20 janvier 2026
Avis spontané
Réponse de Fair Finance
Hi Amy,
Thank you so much for your wonderful feedback and for your continued trust in Fair Finance.
We are happy to hear that we have been able to support you with your third loan and that you feel such a strong sense of trust in our service.
Your kind words about our team and your "much love" for the company are incredibly encouraging. We are here to help everyone in any given situation, and your feedback confirms we are achieving our mission.
Kind regards,
Fair Finance Team
Amazingly easy
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
19 janvier 2026
Réponse de Fair Finance
Hi Patrick,
Thank you for your fantastic 5-star review!
We are delighted to hear that you found the application process “Amazingly easy” and that you received your funds so quickly. We aim to make the process as straightforward as possible, and your feedback confirms we are meeting that goal.
Thank you for choosing Fair Finance.
Kind regards,
Fair Finance Team
Loan application
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
16 janvier 2026
Réponse de Fair Finance
Hi Mr. Ralph,
Thank you for your fantastic 5-star review and for being a Fair Finance customer.
We are delighted to hear that your loan application was approved and that our Customer Service team was so helpful and respectful. Providing excellent service and a smooth process is our top priority, and it’s wonderful to know we achieved this for you.
We are especially grateful for your recommendation to your friends.
Kind regards,
Fair Finance Team
Réponse de Fair Finance
Hi Pete,
Thank you for your 5-star review. We are delighted to hear you received fantastic service and appreciate you taking the time to share your feedback.
Kind regards,
Fair Finance Team
Very quick service
13 janvier 2026
Réponse de Fair Finance
Hi Emma,
Thank you for you 5-star review and for being a Fair Finance customer.
We are happy to hear that you experienced a very quick service. We know that when you need a loan, speed and efficiency are key, and we are committed to making the process as smooth and fast as possible for our customers.
Thanks again for taking the time to share your positive experience.
Kind regards,
Fair Finance Team
Reposting because they got this review…
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!
8 janvier 2026
Avis spontané
Réponse de Fair Finance
Hi Douglas,
We’re sorry to hear you’re disappointed with the outcome of your refinance application. While invitations to apply are based on account activity, all applications still go through affordability and eligibility checks at the time of review, so approval isn’t guaranteed.
We do value your loyalty and understand how frustrating this can be. If you’d like to discuss the decision or get more clarity, our support team is happy to help.
Kind regards,
Fair Finance Team
No where in their documentation do they…
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)
9 janvier 2026
Avis spontané
Réponse de Fair Finance
Hi Naria,
Thank you for your feedback. We’re sorry for any confusion around how a refinance loan works. We did send an email before issuing the agreement explaining that the existing loan would be settled first, with the remaining balance paid to you.
We understand how important it is to have clarity when making financial decisions and regret that this wasn’t clearer for you. If you’d like to discuss this further or need any additional support, our team is happy to help.
Kind regards,
Fair Finance Team
I wanted a loan but as I am a new…
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.
31 décembre 2025
Avis spontané
Réponse de Fair Finance
Hi Andy,
Thank you for your review. We’re sorry to hear you’re disappointed. For new customers, our maximum initial loan is £1,000. Once a first loan has been successfully managed, customers can apply for higher amounts of up to £3,000 on subsequent loans, subject to affordability checks.
We understand this may not meet your needs right now and regret any frustration caused. If you’d like to discuss your options or have any questions, our team is happy to help.
Kind regards,
Fair Finance Team
They are pathological liars who treat…
They are pathological liars who treat people appallingly with NO CUSTOMER SERVICE
AVOID THEM!!!
I have reported them to the Financial Ombudsman and the FCA, I will be taking legal action
18 novembre 2025
Avis spontané
Unable to get response when email
Sent a complaint in 12 days ago and have not heard back. payments have been sent to Fair finance and have been for last 12 months however only just found out payment ref was wrong fair finance have the payments and advised of the different payment ref but unable to get a reply. Going to the ombudsman now as need this fixed and rectified ASAP!
6 novembre 2025
Avis spontané
Réponse de Fair Finance
Dear Sam,
Thank you for sharing your feedback regarding your recent experience with us. We sincerely apologise for the frustration you've encountered with the payment references and the lack of communication from our team.
Your concerns are important to us, and we would like to resolve this matter as quickly as possible. Please contact us directly at enquiries@fairfinance.org.uk and we will do our best to address your issue and provide clarification.
Best regards,
Fair Finance Team
Hello I m write this to let you know…
Hello I m write this to let you know I’m paying my credit card 80 pounds very monthly so don’t have any problem with it just to let you know
10 novembre 2025
Avis spontané
I highly recommend Fair Finance because…
I highly recommend Fair Finance because they offered me a quick loan and I can pay in installments.
Staff very friendly 🙂🙂🙂
Easy to apply
4 novembre 2025
Avis spontané
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