This company has literally saved my cats life. I was struggling with emergency vet bills and other loan companies wouldn't entertain the emergency but fair finance did. I truly am grateful that they c... Mehr ansehen
Unternehmen hat geantwortet
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Das sagen Bewerter
Great service from start to finish, money in account inside 24 hours thank you fair Finance, clear with charges and upfront fees and a very competitive rate :)
I have great experience with fairfinance for new loan to finalise new agreement and deposite the amount of money. To start new repayment for new customer for there need as satisfactory.thsnks
They don't value customers that have paid back because when you reapply you just get declined it was good the first time but god willing you need help again they just decline it even when you have nev... Mehr ansehen
Unternehmen hat geantwortet
Unternehmensdetails
Vom Unternehmen geschrieben
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.
Kontaktinformationen
18 Ashwin Street, E8 3DL, London, Vereinigtes Königreich
- 02089880627
- enquiries@fairfinance.org.uk
- fairfinance.org.uk
4,5
Hervorragend
1545 Bewertungen
Hat 76 % seiner negativen Bewertungen beantwortet
Antwortet meist innerhalb von 1 Woche
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Das haben sich andere Leute angesehen
Antwort von Fair Finance
Hi Donna,
Thank you so much for your lovely 5-star review and for sharing your kind words. We’re grateful for your trust and very pleased we could help when it mattered most. It means a lot to hear this from you.
Please don’t hesitate to reach out if you need us again in the future.
Best regards,
Fair Finance Team
Antwort von 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. Februar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Januar 2026
Antwort von 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. Februar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Januar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Januar 2026
Excellent service
22. Januar 2026
Antwort von 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,
Antwort von 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. Januar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Januar 2026
Antwort von 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. Januar 2026
Antwort von 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
Antwort von 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. Januar 2026
Antwort von 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. Januar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Januar 2026
Bewertung ohne vorherige Einladung
Antwort von 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. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von 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
Dishonest liars
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
29. Dezember 2025
Bewertung ohne vorherige Einladung
Antwort von Fair Finance
Hi Aaron,
We’re sorry to hear about your experience and that you feel this way. We take concerns about communication and account handling very seriously.
Any additional payments made reduce the outstanding balance, meaning customers save on interest and receive a rebate in line with the loan terms. We’re sorry if this wasn’t explained clearly or if you were given conflicting information.
We’d like the opportunity to review your account and address your concerns properly.
Please contact us at enquiries@fairfinance.org.uk
so we can look into this for you.
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. November 2025
Bewertung ohne vorherige Einladung
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. November 2025
Bewertung ohne vorherige Einladung
Antwort von 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
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