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Terms and Conditions

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Last Updated: 27 June 2025

Terms and Conditions

1. General information

2. Definitions

3. About Fairlo's services

4. Borrower eligibility requirements

5. Your credit application & credit reference agencies

6. Withdrawals

7. How we charge interest

8. Repayment plan

9. How to make repayments

10. What happens if you miss a monthly repayment

11. Statements

12. Difficult financial circumstances

13. When we may make changes to your agreement

14. Communicating with you

15. Communicating with us

16. Account security

17. Processing personal data

18. Transferring your agreement

19. Ending your agreement

20. Limitation of liability

21. Other

22. Who supervises us

We are regulated by the Financial Conduct Authority (Financial Services Register No. 989159). The Financial Conduct Authority is the supervisory authority under the Consumer Credit Act 1974 and its address is 12 Endeavour Square, Stratford, London E20 1JN.

23. Complaints

24. Governing law

APPENDIX A - Interest rates

Last Updated: 27 June 2025

22. Who supervises us

We are regulated by the Financial Conduct Authority (Financial Services Register No. 989159). The Financial Conduct Authority is the supervisory authority under the Consumer Credit Act 1974 and its address is 12 Endeavour Square, Stratford, London E20 1JN.