Loans for universal credit: At Fair Finance we will consider your loan application even if you are on universal credit. We believe that nobody should be excluded from fair and affordable credit just because they are receiving benefits. At Fair Finance:

  • We treat an application from someone unemployed in the same way as any other application, by assessing their income (for example coming from benefits)

    We will treat an application from someone on Universal Credit in the similar way as any other one: primarily assessing their income from universal credit and any other source of income, like a part time job, and

  • We will estimate what is affordable to repay. We take into account current credit commitments with a credit search and current expenditures.

We don’t discriminate against people who are earning benefits with Universal Credit . If you apply online or on the phone, the process is very simple.

The Fair Finance Service

As a first time client with us, you can:

  • borrow from £100 to £500
  • repay over 26 to 78 weeks (6 to 18 months)
  • choose weekly, biweekly or monthly repayments to make it easier and more convenient to repay

Click here to see how affordable our rates are!

When you apply online, we aim to come back to you within one working day, but usually we come back in a few hours. Alternatively, you can call us on 020 8988 0627 to make an application and we’ll aim to get back to you immediately with a decision. We know that speed is important to you and that sometimes life emergencies need attending.


Apply online

Apply over the phone

Apply in a branch