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LendFair provide guarantor loans to responsible borrowers who may have had bad credit in the past

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About Lendfair

LendFair provide alternative loans for those with poorer credit scores, they came into existence when traditional bank and credit card loans became difficult to obtain due to the banking crisis.

LendFair aim to lend fixed term loans to responsible guarantor backed borrowers. They aim to offer fair rates of interest and keep repayments affordable. 

Having a guarantor means the repayments on a loan are guaranteed by a friend or relative should the borrower default. A guarantor for a LendFair loan must be a homeowner under the age of 75.

They state the guarantor should always be contacted by the borrower before any application, as this will make approval simpler and quicker.  
To successfully apply for a LendFair loan you will also need to demonstrate that you can afford the monthly repayments once all your existing expenses are taken into account. The same will apply to your guarantor. 

Before lending any money LendFair will run a full credit check on both borrowers and guarantors.

Once an application and guarantor have been accepted, LendFair will transfer the loan to the bank account of the guarantor, who can then transfer the money to the borrower. This should take no more than three days, but often happens within 24-48 hours. 

For the loan repayments LendFair will arrange a Continuous Payment Authority (CPA) to remove monthly repayments from the borrower's bank account. They send reminders before doing this to make sure you remember to have adequate funds in your bank account. 

They allow early repayments and may lower interest rates for those who meet all their repayments on time and improve their credit scores.

Loans from Lendfair can be used for any purpose, from debt consolidation to car finance