Welcome to a more flexible and transparent life-happens buffer.

Fairlo offers a line of credit that is always available, always without fees. Withdraw whenever you need, make extra repayments whenever you want and change the repayment plan as often as you like. With Fairlo on your phone you're always ready to take on new opportunities - you only pay interest on the amount you're using.

Apply for free here

Representative 26% APR. Max 29% APR.

A mobile phone displaying a dial with the text "£5000" and a button below with the text "Withdraw £5000"

Choose the credit limit that works for you

Never any fees, only pay interest on what you use for the time you use it. Check your eligibility within a few minutes.

£1,000

APR
29%
Max duration
36 mths
Min monthly amount
£42

£3,000

APR
26%
Max duration
60 mths
Min monthly amount
£90

£5,000

APR
25%
Max duration
60 mths
Min monthly amount
£147

£10,000

APR
20%
Max duration
60 mths
Min monthly amount
£265
Check my eligibility

Representative 26% APR. Max 29% APR.

£1,000

APR
29%
Max duration
36 mths
Min monthly amount
£42

£3,000

APR
26%
Max duration
60 mths
Min monthly amount
£90

£5,000

APR
25%
Max duration
60 mths
Min monthly amount
£147

£10,000

APR
20%
Max duration
60 mths
Min monthly amount
£265

Proven in Sweden, now in the UK

Customers who use Fairlo's credit service can rate the service on Trustpilot and Google, among others. We encourage, via email, all active customers to rate us on Trustpilot. Some reviews on Trustpilot are verified. This means that Trustpilot has verified that the reviewer had a genuine experience with us. You can read more about their process here. The authenticity of Google reviews is not checked. Trustpilot's overall assessment is based on the number of reviews, star ratings and the freshness of the reviews.

My pages

On my pages you can always:

  • Choose your monthly repayment
  • Make free withdrawals and repayments
  • See your APR
  • Close your credit

Borrow money

You can borrow from us if you:

  • Are over 20 years
  • Have a yearly income of £20,000 from employment
  • Are a permanent resident of the UK
  • Have no CCJs, Bankruptcy or similar

Apply right here, right now.

Check your eligibility, limit and terms. Oh wait, everyone gets the same fair APR, from 20% to 29% depending on the credit limit.

Representative 26% APR. Max 29% APR.

We've made point out of having the world's most entertaining terms and conditions.