Fair for You

Set up in 2015, Fair for You aims to help financially-excluded families have a comfortable, healthy, happy home by supporting the purchase of essential household goods. When assessing applications, Fair for You looks past credit scores and considers the unique and individual circumstances of the customer before deciding whether to lend.

In July 2022, in response to the cost of living crisis, SIS provided Fair for You with a £350,000 loan drawn down from the Scottish Community Lenders Investment Fund. This support helped Fair for You launch a pilot programme in Glasgow to help up to 1,000 households with additional support to purchase essential white goods, such as washing machines, fridge-freezers and cookers, directly from the retailer. Families received an average loan of £350 on new, flexible, affordable credit terms, and the scheme will run until December 2024.

Using data from their 2022 independent social impact report, Fair for You reported that, so far, over 280 people’s lives in Glasgow have been changed through this better lending practice, around 28 of whom are likely to be living with a long-term sickness or disability.