Fair for You CIC

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...

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-...

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…

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...

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

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

🎉 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

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.

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.

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.

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Financial Inclusion Strategy The Financial Inclusion Strategy sets out the government’s approach to improving financial inclusion for underserved groups across the UK.

📖 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/...
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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."

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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

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.

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#FinancialInclusion

Graphic with text saying Start the conversation, #TalkMoney, Talk Money Week, 3-7 November

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

🎉 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

...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-...
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🎯 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)

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

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.

🔟 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.

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

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."

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."

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.

Seedling emerges from soil with sun in background

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!)

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 Payments

Group of five people smiling to camera, dressed in black tie, attending Pay 360 Awards event.

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.

He was here from (before) the start, and soon we bid farewell: meet Tom Levitt My role at Fair for You is..

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...

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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.”

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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.

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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.

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Tom Levitt headshot - man wearing glasses, suit and tie smiling to camera.

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.

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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
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Two Currys employees, in branded fleeces and high-vis vests, unload a new washing machine from a lorry with Currys branding.

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.

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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...

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...