Over the past decade, Fair for You has transformed the landscape of ethical lending, offering a dignified alternative to high-cost credit and supporting tens of thousands of families to access essential goods, improve their financial wellbeing, and enhance their quality of life. This report quantifies the breadth of social value created, reflects on lessons learned, and includes recommendations for social investors and wider financial inclusion policy.

New CfRC research indicates that some lower-income borrowers are highly sensitive to their credit scores, and this could be negatively impacting their financial behaviours: causing them to prioritise credit repayments over the payment of household bills and other essentials. People in financial difficulty may also be receiving inappropriate messages that encourage them to take on more credit than they can afford.