How it Works

Step 1. BROWSE our online high street

The ‘Shop Now’ button will take you to the website of selected retailers.

We do credit check but our decision isn’t only based on credit and you may be asked to provide online bank statements through our open bank partner oohMoolah.  This is a safe and secure process which helps us make a quick decision on your application.  Sharing your bank statements is more likely to result in us being able to grant you the loan you need. You are welcome to apply, you can check your eligibility here.

Step 2. CHOOSE your item & put it in your basket

Once shopping you can browse our selection of household items from our suppliers at Dorset Homes or Whirlpool – which has appliances from some of the biggest manufacturers in the world such as Whirlpool, Hotpoint and Indesit.

Step 3. APPLY for a loan from Fair for You

You will automatically be linked back to the Fair for You website to apply for your loan. You’ll need your National Insurance number, Income and Income frequency.

Your loan will be processed straight away. We’ll do a high quality credit check and you’ll get pre-approved within a few minutes.

If you’re still unsure what to expect, view our Loan Application Walkthrough video here.

Step 4. CONFIRM to the agreed loan repayments

Our team may call you to verify the affordability and set up your loan repayments.

Once everything is confirmed, an e-loan agreement will be e-mailed to you that you can sign digitally via your tablet, phone or laptop mouse.

Step 5.  SUBMIT your loan application

You may be asked to provide online bank statements through our open bank partner oohMoolah.  This is a safe and secure process which helps us make a quick decision on your application.  Sharing your bank statements is more likely to result in us being able to grant you the loan you need.

Once everything is confirmed, an e-loan agreement will be e-mailed to you that you can sign digitally via your tablet, phone or laptop mouse.

Step 6. DELIVERY

You will be e-mailed a link so that you can arrange your free nationwide delivery, guaranteed within 72 hours for all kitchen items!