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Fair Credit Charity LTD

Also known as: Fair for You Ltd

Fair Credit Charity is established to alleviate poverty and financial hardship through tailored lending solutions, tailored to meet the modern borrowing needs of lower income family households.

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Activities & Mission

Fair Credit Charity is established to alleviate poverty and financial hardship through tailored lending solutions, tailored to meet the modern borrowing needs of lower income family households.

Areas of Operation

Where this charity is registered to operate, as self-declared to the Charity Commission. These are regulatory classifications, not a list of active programmes, and don't necessarily indicate fundraising activity in each location.

Country

Scotland

Financial Information

Latest Income
£4,084,457
Latest Expenditure
£4,150,141

Financial Efficiency

Program Ratio 0.1%
% of income going directly to charitable activities

Higher than 1% of UK Beneficiary group charities with income £1M to £10M (sample: 3130). How is this calculated?

Overall Efficiency 0.1%
% of expenditure going to programs (vs overhead)

Higher than 1% of UK Beneficiary group charities with income £1M to £10M. How is this calculated?

Administrative Ratio 100.0%
Overhead (fundraising + governance) as % of total expenditure

Lower overhead than 0% of UK Beneficiary group charities with income £1M to £10M. (Lower overhead is generally read as more efficient.) How is this calculated?

Latest Financial Breakdown

Income Sources

Donations & Legacies £0
Charitable Activities £0
Other Trading £3,708,043
Investments £0
Other Income £376,414

Expenditure Categories

Charitable Expenditure £2,520
Raising Funds £4,147,621
Governance £2,520
Grants to Institutions £0
Other Expenditure £0

Financial Trend

Annual Returns

As filed with the Charity Commission for England and Wales. Most recent filing covers the financial year ending 2024.

Financial YearIncomeExpenditureCharitable SpendingNet AssetsReservesStaff
2024
£4,084,457
£4,150,141£2,520£3,432,380£3,432,38022 / 0
2023
£4,844,614
£4,626,387£2,701£3,498,064£3,498,06425 / 0
2022
£6,060,562
£4,750,630£2,520£3,279,837£3,279,83729 / 0
2021
£4,995,091
£4,698,985£0£1,959,805£1,969,90532 / 0
2020
£6,956,652
£4,418,144£0£1,673,986£1,673,98627 / 0

Staff column shows: Employees / Volunteers

Frequently asked questions about Fair Credit Charity LTD

What does Fair Credit Charity LTD do?

Fair Credit Charity is established to alleviate poverty and financial hardship through tailored lending solutions, tailored to meet the modern borrowing needs of lower income family households.

How much income did Fair Credit Charity LTD report in 2024?

Fair Credit Charity LTD reported total income of £4.08m and reported expenditure of £4.15m for the financial year ending 2024, based on the most recent annual return filed with the Charity Commission.

How efficient is Fair Credit Charity LTD?

Fair Credit Charity LTD has a program ratio of 0.1%, meaning that share of its income goes directly to charitable activities. This is higher than 1% of UK Beneficiary group charities with income £1M to £10M (sample of 3130 charities). See our methodology for how this is calculated.

When was Fair Credit Charity LTD registered as a charity?

Fair Credit Charity LTD was registered with the Charity Commission for England and Wales on 22 May 2015 as charity number 1161809. It has been registered for 11 years.

Who runs Fair Credit Charity LTD?

Fair Credit Charity LTD is governed by a board of 5 trustees. Trustees are legally responsible for the charity's governance and are listed in full on its profile.

Where does Fair Credit Charity LTD operate?

Fair Credit Charity LTD operates across 2 areas: Scotland and England And Wales.

Is Fair Credit Charity LTD a registered charity?

Yes — Fair Credit Charity LTD is a registered charity in England and Wales, charity number 1161809.

Details

Address
Unit 8 Elm Court
Meriden Business Park
Copse Drive
COVENTRY
CV5 9RG
Registration Date
22 May 2015
Status
Registered

Registry Information

Organisation Number
5062210
Charity Number
1161809

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Other notable Beneficiary group charities

Major UK charities in the same primary sector, drawn from the curated priority cohort.

Trustees

Harold Talbot-Tomlinson
Also governs 1 other charity
Jill Bonehill
Also governs 1 other charity
Joanne Fleming
Jonathan Moore
Also governs 1 other charity
Susan Tangier Lewis

Sectors & Classifications

Beneficiary group Social welfare

Also Known As

  • Fair for You Ltd

Data & trust

Register data refreshed
14 May 2026
Report a data issue