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Fair for You CIC

@fairforyou.bsky.social
91 followers 96 following 77 posts

We support financially-excluded households to buy essential items, avoid hardship, and build their financial resilience. Owned and overseen by the Fair Credit Charity.

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Fair for You CIC @fairforyou.bsky.social · 14/07/2026
Our latest newsletter is out... 🛍️ Meet our newest retail partner ⚖️ The real impact of Buy Now Pay Later (BNPL) regulation 🙏 Customer experience at Fair for You ...and more Read and subscribe via LinkedIn: www.linkedin.com/pulse/new-bn... Or via Mailchimp: us12.campaign-archive.com?u=d5409b4371...
Happy, smiling children wearing school uniform. Logos of Fair for You and Trutex in corner.
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Fair for You CIC @fairforyou.bsky.social · 19/06/2026
Everyone asks what our APR is. It’s the wrong question. The FCA gets it. So does Michael Sheen. The latest Fair for You newsletter is out. LinkedIn: www.linkedin.com/pulse/our-apr-you-asking-us-right-question-fair-for-you-ltd-pecre Mailchimp: us12.campaign-archive.com?u=d5409b4371...
A tablet computer with Fair for You branding on screen, and caption 'The Power of Affordable Credit, June 2026' in a purple banner across the image.
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Fair for You CIC @fairforyou.bsky.social · 05/02/2026
The projected 1 in 4 figure rises to 2 in 3 among less affluent consumers. Thanks to our colleagues at @fair4allfinance.bsky.social for this important research - read it in full on their website: fair4allfinance.org.uk/buy-now-pay-...
fair4allfinance.org.uk
Buy Now Pay Later and financial vulnerability: More of a symptom, less of a cause - Fair4All Finance
Latest research from Fair4All Finance highlights the impact of Buy Now Pay Later regulation, revealing a potential blind spots in protection for people in financially vulnerable circumstances. Niall A...
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Fair for You CIC @fairforyou.bsky.social · 05/02/2026
New research out today shows that regulation of Buy Now, Pay Later (BNPL) might mean 1 in 4 customers lose access. Our CEO reacts in The Sun: “It’s clear that regulation of BNPL is needed... but I worry that the new rules may cause more harm than good.” www.thesun.co.uk/money/381262...
thesun.co.uk
One in three shoppers face losing access to Buy Now Pay Later under rule changes
MILLIONS of Buy Now, Pay Later customers could lose access to the payment method when new regulation comes into force in months. One in four adults used Buy Now, Pay Later (BNPL) last year to sprea…
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Fair for You CIC @fairforyou.bsky.social · 18/12/2025
It's been another exciting year for Fair for You - partnerships, awards, a relaunch, a rebrand, lots of social impact, an anniversary, and more. Here, our CEO looks back on 2025, and gives his thanks to everyone who has been part of it. ⤵️ #SocialEnterprise #FinancialInclusion
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Fair for You CIC @fairforyou.bsky.social · 18/12/2025
It's been another exciting year for Fair for You - partnerships, awards, a relaunch, a rebrand, lots of social impact, an anniversary, and more. Here, our CEO looks back on 2025, and gives his thanks to everyone who has been part of it. ⤵️ #SocialEnterprise #FinancialInclusion
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Fair for You CIC @fairforyou.bsky.social · 24/10/2025
🎉 For our 10th anniversary, we commissioned an impact report from the Centre for Responsible Credit. It shows customers improving their finances, feeling less anxious and depressed, and better able to afford healthy food and essentials. Watch the video or read more: www.fairforyou.co.uk/10years
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Fair for You CIC @fairforyou.bsky.social · 06/11/2025
The report clearly lays out this reality - and provides recommendations for reframing the system, building trust and ensuring dignity and respect through the #TimmsReview. After all, just because you've got a bit less money than others, it doesn't mean you don't deserve to be treated well.
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Fair for You CIC @fairforyou.bsky.social · 06/11/2025
Many of our customers access benefits; it's the only way of getting by. But we frequently hear from them that the benefits system is hard to navigate and makes them feel stigmatised. Our CEO was pleased to attend the launch of 'From stigma to support', an important new report by Turn2us. (1/2)
Three people in smart attire pose in front of a background of Turn2us logos, holding the 'From stigma to support' report or placards relating to it. They are Simon Dukes, Fair for You CEO; Jane van Zyl, CEO of the charity Working Families; and Thomas Lawson, CEO of Turn2us.
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Fair for You CIC @fairforyou.bsky.social · 05/11/2025
📖 You can find the full strategy here: www.gov.uk/government/p... 💭 And read Simon's full thoughts on LinkedIn here: www.linkedin.com/feed/update/... (3/3)
gov.uk
Financial Inclusion Strategy
The Financial Inclusion Strategy sets out the government’s approach to improving financial inclusion for underserved groups across the UK.
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Fair for You CIC @fairforyou.bsky.social · 05/11/2025
Our CEO Simon Dukes says: "With millions of adults seeking credit, yet being declined despite affordability, we urge the Government to establish a national fund to leverage public, private, and social investment at the scale required to achieve genuine financial inclusion." (2/3)
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Fair for You CIC @fairforyou.bsky.social · 05/11/2025
HM Treasury has published a new Financial Inclusion Strategy. While Fair for You and the Fair Credit Charity welcome the new strategy, we are concerned that it risks overlooking the role of CDFIs. (1/3) #FinancialInclusion
Quote graphic with Fair for You logo in corner.

"With millions of adults seeking credit, yet being declined despite affordability, we urge the Government to establish a national fund to leverage public, private, and social investment at the scale required to achieve genuine financial inclusion."

Simon Dukes, CEO, Fair for You
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Fair for You CIC @fairforyou.bsky.social · 03/11/2025
Today is the start of Talk Money Week, led by the Money and Pensions Service (MaPS). When did you last talk openly about money? We know that it can be a tricky topic - but we also know that talking about it can help make you feel more in control, and less isolated. #TalkMoney
Graphic with text saying Start the conversation, #TalkMoney, Talk Money Week, 3-7 November
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Fair for You CIC @fairforyou.bsky.social · 24/10/2025
🎉 For our 10th anniversary, we commissioned an impact report from the Centre for Responsible Credit. It shows customers improving their finances, feeling less anxious and depressed, and better able to afford healthy food and essentials. Watch the video or read more: www.fairforyou.co.uk/10years
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Fair for You CIC @fairforyou.bsky.social · 22/10/2025
...8%, IFISA-eligible investment opportunity. This investment means more families being able to access our ethical loans, helping them to buy essential items, avoid hardship, take back control of their finances, and more. Find out more via article above, or 👇 www.ethex.org.uk/invest/fair-... (2/2)
ethex.org.uk
Fair For You – Ethical Finance - Ethex investment opportunity
Invest in Fair For You and help support vulnerable and low-income households in Scotland. Investments offer a target return of 8%.
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Fair for You CIC @fairforyou.bsky.social · 22/10/2025
🎯 What's better than hitting a target? 🗓️ Doing so several weeks before deadline. We're delighted that our bond offer on Ethex has now exceeded its £500,000 target by 27%, with almost two months left to run. The bond will remain open, meaning that more investors can take advantage of this... (1/2)
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Fair for You CIC @fairforyou.bsky.social · 15/10/2025
This includes customers feeling more in control of their finances, improving physical and mental health, and more. This has been achieved with total investment of £17m, equating to social returns of £46 for every £1 invested. Read the full report 👉 www.fairforyou.co.uk/10years
fairforyou.co.uk
UK's No.1 Flexible Credit Provider | Pay Monthly Goods | Fair for You
Choose To Pay In Flexible Weekly, Four-Weekly, Monthly Or Fortnightly Payments. Get what you need on finance from UK's No.1 Flexible Credit Provider.
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Fair for You CIC @fairforyou.bsky.social · 15/10/2025
🔟 10 years 💷 100,000 customers 💜 £797m in social value Three numbers of which we are very proud. As today's new report from @responsiblecred.bsky.social shows, we've proven that it is possible to lend sustainably to financially-excluded customers, creating social impact in the process.
The Fair for You logo, which is our name in purple and green, surrounding by icons representing people, a purple heart, and one hand giving a coin to another.
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Fair for You CIC @fairforyou.bsky.social · 13/10/2025
Within a few days of his investment into our raise, that funding had been matched, helping us pass the 75% milestone on our target of raising £500,000 - we're now close to 90%. Thank you to Alan for your investment, and indeed to all his fellow investors. #EthicalInvestment #EthicalInvesting
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Fair for You CIC @fairforyou.bsky.social · 13/10/2025
Alan adds: "I'm providing matched funds as I'm keen to encourage others to join the fundraising. I really like the Scotland-focused, place-based approach of this round, as the impact of each pound invested is so tangible."
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Fair for You CIC @fairforyou.bsky.social · 13/10/2025
He invested a total of £45,000 in the raise, providing these as matched funds to encourage others to get involved as. He says: "It's great seeing Fair for You return to the Ethex platform to secure additional funding."
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Fair for You CIC @fairforyou.bsky.social · 13/10/2025
This has ranged from small, local community projects through to larger, impact-focused institutional investments. He's also one of the 178 investors so far to put his money into our latest bond offer on Ethex.
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Fair for You CIC @fairforyou.bsky.social · 13/10/2025
Today, we want to say 'thank you' to Alan and 177* others. Alan - we're not using his full name, he's not in it for the recognition - began his career in the investment industry. More recently, he has focused on not-for-profit and philanthropy projects. (*and counting!)
Seedling emerges from soil with sun in background
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Fair for You CIC @fairforyou.bsky.social · 02/10/2025
We were delighted to win Best Lending Programme at last night's #PAY360Awards, organised by The Payments Associations. Thanks to our friends at EML for you hard work on this partnership, and to all our amazing staff. Congratulations also to those nominated and victorious in other categories.
Trophy - mainly black, with gold base and gold design at top. Text engraved on it: Pay 360 Awards in association with Mastercard. Best Lending Programme. Winner 2025: Fair for You's Lending Programme, Powered by EML PaymentsGroup of five people smiling to camera, dressed in black tie, attending Pay 360 Awards event.
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Fair for You CIC @fairforyou.bsky.social · 30/09/2025
The Fair Credit Charity will now be chaired by @moore-jonathan.bsky.social, who is a former CEO and board member at two credit unions, and has been a trustee since 2022. Read more reflections from Tom in a recent Q&A 👇 www.linkedin.com/pulse/he-her... (5/5)
linkedin.com
He was here from (before) the start, and soon we bid farewell: meet Tom Levitt
My role at Fair for You is..
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Fair for You CIC @fairforyou.bsky.social · 30/09/2025
Farewell, Tom - it's been quite the journey! Simon Dukes, chief executive of Fair for You and the Fair Credit Charity, says: “Tom Levitt is truly a pioneer of affordable credit and financial inclusion. We bid him farewell with very best wishes, and huge gratitude.” (4/5)
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Fair for You CIC @fairforyou.bsky.social · 30/09/2025
Since the charity and lender launched in 2015, Fair for You has provided ethical microloans to 100,000 families, enabling them to buy essential items, avoid hardship, and stay away from exploitative lenders or loan sharks. (3/5)
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Fair for You CIC @fairforyou.bsky.social · 30/09/2025
Tom first became involved in 2013, helping to ensure that we were created with an asset-locked, social enterprise structure - Fair for You is owned by a charity now known as the Fair Credit Charity, which oversees its work. (2/5)
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Fair for You CIC @fairforyou.bsky.social · 30/09/2025
Fair for You and the Fair Credit Charity today say a fond farewell to @tomlevitt.bsky.social, who has played an important leadership role in these two organisations since we were set up in 2015 - and has been the charity's chair since day one. (1/5)
Tom Levitt headshot - man wearing glasses, suit and tie smiling to camera.
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Fair for You CIC @fairforyou.bsky.social · 24/09/2025
We're pleased to be able to respond to high customer demand for essential household tech like laptops, fridges and washing machines — and to give households with lower incomes another way to spread the cost of essential purchases. #retail #FinancialInclusion (2/2)
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Fair for You CIC @fairforyou.bsky.social · 24/09/2025
We’re delighted to announce that Currys is the latest major retailer to partner with Fair for You. Our customers can now spend their Fair for You Shopping Card loan online at currys.co.uk, or in the electronics retailer’s nearly 300 UK stores. (1/2)
Two Currys employees, in branded fleeces and high-vis vests, unload a new washing machine from a lorry with Currys branding.
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Fair for You CIC @fairforyou.bsky.social · 11/09/2025
Every investment, big or small, helps us make a real difference for people experiencing financial exclusion. We’d love to share more at Ethex’s online Cuppa Club next Wednesday. Register here: us02web.zoom.us/webinar/regi...
us02web.zoom.us
Welcome! You are invited to join a webinar: Ethex Cuppa Club Webinar - Fair for You. After registering, you will receive a confirmation email about joining the webinar.
Join us for a Cuppa Club session with Fair for You, the award-winning social enterprise transforming lending for good. Across the UK, millions of families are excluded from mainstream finance, leavi...
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Fair for You CIC @fairforyou.bsky.social · 11/09/2025
🦋 Often known as the 'butterfly effect', small things can lead to big changes. Our loans of £25-£350 can make a huge difference to peoples' lives... ...and now you can invest in us from just £50 through our new bond on @ethexuk.bsky.social - helping us to support even more customers.
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Ethex @ethexuk.bsky.social · 10/09/2025
Join us for an Ethex Cuppa Club chat and Q&A with @fairforyou.bsky.social, the award-winning social enterprise transforming lending for good. learn more about their latest 8% IFISA-eligible bond offer on Ethex. Register: us02web.zoom.us/webinar/regi... #AffordableFinance #FinancialInclusion
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Ethex @ethexuk.bsky.social · 08/09/2025
Announcing the latest @fairforyou.bsky.social 8% investment bond offer, launching today! Now you can be part of the next chapter in their amazing impact story. Find out more and invest here: www.ethex.org.uk/invest/fair-... #FinancailInclusion #AffordableFinance #FairLending
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Fair for You CIC @fairforyou.bsky.social · 08/09/2025
It follows the runaway success of our 2024 bond offer, which exceeded its target by 30%. Find out more here: www.ethex.org.uk/invest/fair-... #SocialEnterprise #EthicalInvestment #EthicalInvesting #SocialInvestment #SocialInvesting
ethex.org.uk
Ethex Crowdfunding
Ethex helps everyday people make ethical investments that fund extraordinary organisations. Make your money a powerful tool for change and get a fair return.
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Fair for You CIC @fairforyou.bsky.social · 08/09/2025
Who doesn't love a good sequel? Fair for You is delighted to launch its second bond offer on the ethical investment platform Ethex today. This new bond gives ethically-minded investors the chance to earn a potential tax-free 8% return, while helping combat financial exclusion. #FinancialInclusion
A screenshot of the Ethex website, showing detail of the new Fair for You bond offer. For full info, go to https://www.ethex.org.uk/invest/fair-for-you-8-bond-2030
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Fair for You CIC @fairforyou.bsky.social · 04/08/2025
More from the summary: "Customers appreciate the straightforward and easy application process... the possibility to manage payments in a flexible manner, choosing the frequency and amount, is highly valued. "People feel respected and well-supported throughout their interactions with the company."
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Fair for You CIC @fairforyou.bsky.social · 04/08/2025
In our humble opinion, Artificial Intelligence is flawless here! We've noticed that there's a new AI-generated review summary on Trustpilot. Here's what it says about the 18,500 reviews (with an excellent overall rating) that we've had on the platform... #FinancialInclusion
Quote graphic: "Reviewers overwhelmingly had a great experience with this company."
Caption: Trustpilot's AI summary of FfY customer reviews.
Fair for You logo in corner.
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mariacbooker.bsky.social @mariacbooker.bsky.social · 24/07/2025
How can inclusive design become business as normal within Government, regulators, & firms? If you are interested in this topic- we would love to hear from you! @fairforyoucic.bsky.social www.linkedin.com/pulse/how-do...
linkedin.com
How do we promote inclusive design at every level in financial services?
The Government is expected to publish its Financial Inclusion Strategy later this year. It is essential that this is shaped by people experiencing financial exclusion using the principles of inclusive...
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Fair for You CIC @fairforyou.bsky.social · 21/07/2025
Hang it in the Louvre! Okay, perhaps we're getting a bit overexcited, but we're still loving our new rebrand, so we're excited to get some new wall art for the office. It features, among other things, our five brand values: trust, partnership, fairness, integrity and openness.
Print on office wall shows boy wearing superhero costume, with word 'integrity' at bottom and Fair for You logo at top.Print on office wall shows smiling family relaxing on sofa, with word 'openness' at bottom and Fair for You logo at top.Print on office wall shows words 'trust', 'partnership', 'fairness', 'integrity' and 'openness', plus cartoon person at bottom and Fair for You logo at top.Print on office wall shows puzzle pieces, in Fair for You brand colours purple and green, with slogan 'individually unique, together complete', and Fair for You logo at top.
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Fair for You CIC @fairforyou.bsky.social · 09/07/2025
🛒 Iceland Food Club has helped more people to eat healthily, eased families' financial worries, and helped them move away from loan sharks. 🏆 We're very proud that it won Social Impact Initiative of the Year in last night's The Grocer Gold Awards. ❤️ Thanks and congrats to our friends at Iceland.
The Grocer Gold Awards 2025 - Winner - Social Impact Initiative of the Year
Picture shows Fair for You CEO Simon Dukes, and Iceland boss Richard Walker, smiling and standing together holding basket of groceries.
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Fair for You CIC @fairforyou.bsky.social · 03/07/2025
Remember, you can also keep in the loop with Fair for You by signing up to our newsletter in one of two ways... 🔗 Here on LinkedIn: www.linkedin.com/newsletters/... 🐒 Via Mailchimp: us12.campaign-archive.com?u=d5409b4371...
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Fair for You CIC @fairforyou.bsky.social · 03/07/2025
Back in 2013, @tomlevitt.bsky.social was in was introduced to a former banker who had had a big idea. The rest is (you guessed it), history... The new edition of our 'Meet Fair for You' Q&A profiles a man who has been here since even before it all began. www.linkedin.com/pulse/he-her...
linkedin.com
He was here from (before) the start, and soon we bid farewell: meet Tom Levitt
My role at Fair for You is..
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Fair for You CIC @fairforyou.bsky.social · 30/06/2025
Peace of mind. Reassurance. Knowing that you've got a safety net. Our customers describe it in a few different ways - whatever you call it, our products provide it for stretched families and households. Thank you to Elizabeth, writing on Trustpilot, for sharing why this is so important to her.
“This card has helped me so much to budget... having this card in my purse, knowing I will have money for food shopping no matter what, has made my stress and anxiety so much better.”

Trustpilot review of Fair for You, from Elizabeth Ahmed

Fair for You logo in corner of quote graphic.
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Fair for You CIC @fairforyou.bsky.social · 12/06/2025
Simon Dukes, chief executive of Fair for You, says: "We are delighted to welcome Kumaran to the team. Having unveiled a rebrand and an innovative new Shopping Card loan in recent months, 2025 is shaping up to be an exciting year for Fair for You."
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Fair for You CIC @fairforyou.bsky.social · 12/06/2025
We are delighted to welcome Kumaran Adithyan as our latest board member. Kumaran is General Manager, Global Electronics and Home eBay, and previously worked at Walgreens Boots Alliance, and Oliver Wyman. His expertise and experience make him an invaluable addition to the board of Fair for You.
Kumaran Adithyan headshot.
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Fair for You CIC @fairforyou.bsky.social · 05/06/2025
Great news that Government has recognised the value of Fair for You and other organisations working to improve financial inclusion, and has committed more Dormant Assets to this cause. Thanks @civilsociety.bsky.social for quoting us in this piece.
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Fair for You CIC @fairforyou.bsky.social · 04/06/2025
⭐ In the last 30 days, 45 of 49 reviews we've received on Trustpilot have been five stars out of five. A lot of those reviews (like Tony's, see pic 👇) mention flexibility. With our loans, you can choose a repayment schedule that works for you, or overpay (with no penalty) to reduce total interest.
"The application process is simple... you can choose your payment schedule... I would rate Fair For You excellent and would highly recommend it to anyone."

Trustpilot review of Fair for You, from Tony Reckord

Quote graphic in Fair for You's brand colours of green, white and purple, with logo in corner.
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Fair for You CIC @fairforyou.bsky.social · 30/05/2025
Like with all our loans, Elle could agree a payment schedule that worked for her, and knew that if she had any financial shocks, she'd be able to rearrange payments with no penalty. We're delighted to have supported Elle and her family with that move, and hope they're very happy in their new home.
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