A fair, flexible and transparent Christmas loan

Christmas is all about joy—until surprise expenses try to play Grinch. A Christmas loan with a “life-happens” buffer has your back for those unexpected moments, like extra gifts, surprise guests, or a last-minute splurge on the perfect tree. It’s flexible, fair, and ready when you need it, so you can keep the magic alive without stressing over the bills. Because Christmas is for celebrating, not worrying!

Check my eligibility

Representative 29% APR. Max 39% APR.

The same fair interest rate for everyone

Most credit companies market a “representative APR” that sounds good, a first glance, but as they employ dynamic pricing you might end up getting a far heftier price once completed the application, all depending on their rather arbitrary credit risk assumption.

With Fairlo you always know exactly what rate you’ll get, even before applying. It’s flat and fair and the same for everyone:

£1,000

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

£2,000

APR: 29%
Max duration: 48 mths
Min monthly amount: £71

£3,000

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

£5,000

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

£7,000

APR: 23%
Max duration: 60 mths
Min monthly amount: £197

£10,000

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

Check eligibility

Representative 29% APR. Max 39% APR.

£1,000

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

£2,000

APR: 29%
Max duration: 48 mths
Min monthly amount: £71

£3,000

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

£5,000

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

£7,000

APR: 23%
Max duration: 60 mths
Min monthly amount: £197

£10,000

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

Access a credit limit up to £10,000.

Only pay interest on what you use for the time you use it. Enjoy free withdrawals and repayments everyday, 24/7.

Enjoy frictionless withdrawals.

Withdraw the amount you need straight into your bank account with less time figuring out the repayments and more time living life.

Unmatched flexibility.

Life happens. You can make withdrawals, additional repayments, and even change your monthly repayment at any time for free.

Nothing hidden, no surprises, no tricks.

No fees, just the same guaranteed interest rate for each credit limit. Know the real rates before you check your eligibility.

A clear repayment plan you can trust.

You always have a sustainable plan to repay your balance. No need to worry about getting caught in a payment trap.

4.7

TrustScore 4.7 | +4000 reviews

4.8

Average rating of +250 reviews

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.

Swedish Trustpilot ratings Read our Google reviews

Apply right here, right now.

Check your eligibility, limit and terms. Oh wait, everyone gets the same fair APR, from 15% to 39% depending on the credit limit.

Check my eligibility

Representative 29% APR. Max 39% APR.

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

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