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FAIR CREDIT CHARITY LTD

Registered charity 1161809 · accounts filings on the Charity Commission register · also known as FAIR FOR YOU LTD · also registered in Scotland as SC046556 (OSCR)

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.

Causes: Education/training · The Prevention Or Relief Of Poverty · website · Get email alerts

Latest income
£3.6m
Latest spending
£4.0m
Registered
2015
Accounts read
FY2025

Financial health, per its FY2025 accounts

The accounts state that the Group reported a consolidated reduction in unrestricted funds of £398,331 for the year ended 31 December 2025, resulting in total consolidated reserves of £3,034,049. The Trustees confirm that the Group has adequate resources to continue in operational existence for the foreseeable future, having reviewed cash flow forecasts and secured additional funding subsequent to the year end.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Highest-paid employee band: £100,001 - £150,000 — in the top quarter for charities its size (median £70k)
“In the band £100,001 - £150,000 1”
Per its FY2025 accounts as filed with the Charity Commission.
Largest income source: Interest income (65% of income)
“Interest income 2,287,976”
Per its FY2025 accounts as filed with the Charity Commission.
Payments to trustees: A trustee was paid £7,200 for governance oversight of a subsidiary; non-executive directors were paid £39,000 through their own companies.
“During the year, a trustee of the Fair Credit Charity Ltd (the controlling party) was paid £7,200 for their role and oversight of the governance of Fair For You Enterprise CIC (2024: £7,200). Non-executive directors were paid for their roles as NED through companies in which they hold the majority of shares. Costs for the year totalled £39,000 (2024: £37,920) with a balance outstanding at the year end of £Nil (2024: £Nil).” — page 42
Per its FY2025 accounts as filed with the Charity Commission.
Related-party transaction: Trustee paid for governance oversight of subsidiary
“During the year, a trustee of the Fair Credit Charity Ltd (the controlling party) was paid £7,200 for their role and oversight of the governance of Fair For You Enterprise CIC (2024: £7,200). Non-executive directors were paid for their roles as NED through companies in which they hold the majority of shares. Costs for the year totalled £39,000 (2024: £37,920) with a balance outstanding at the year end of £Nil (2024: £Nil). ” — page 42
Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by Blick Rothenberg Audit LLP. Discloses 4 of 6 completeness components.

Year-over-year changes

Comparing this charity’s FY2024 and FY2025 accounts as analysed by this site.

Leadership, per the charity’s website

Listed on the charity’s own website when we last crawled it; roles may have changed. Pay-band disclosures above are anonymous statutory disclosures and are not attributed to any named individual.

Structured financials (annual return, FY ending 31/12/2025)

Total income
£3.6m
Total spending
£4.0m
Reserves (reported)
£3.0m
Employees
20

Reported reserves equal ~9.1 months of spending — above the median for charities its size (median 4.8 months; benchmarks).

Per its annual return, largest income source: Other trading activities (97% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.0% of total income — below the median for charities its size (5.2%) (benchmarks).

Trustees · trustee networks

Trustee list from the Charity Commission register (current, not historical).

Operates in: Scotland · Throughout England And Wales

Income and spending

Financial year endIncomeSpending
31/12/2025£3.6m£4.0m
31/12/2024£4.1m£4.2m
31/12/2023£4.8m£4.6m
31/12/2022£6.1m£4.8m
31/12/2021£5.0m£4.7m

Common questions

Is FAIR CREDIT CHARITY LTD financially healthy?

Per its FY2025 accounts: The accounts state that the Group reported a consolidated reduction in unrestricted funds of £398,331 for the year ended 31 December 2025, resulting in total consolidated reserves of £3,034,049. The Trustees confirm that the Group has adequate resources to continue in operational existence for the foreseeable future, having reviewed cash flow forecasts and secured additional funding subsequent to the year end. Its FY2025 accounts were audited by Blick Rothenberg Audit LLP.

What does the highest-paid employee of FAIR CREDIT CHARITY LTD earn?

Per its FY2025 accounts, the highest-paid employee was in the £100,001 - £150,000 band.

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

FunderSimilar charities fundedAmount to them
GUY'S AND ST THOMAS' FOUNDATION1£171k
MOONDANCE FOUNDATION1£113k
AKO FOUNDATION1£62k
THE CENTRE FOR INNOVATION IN VOLUNTARY ACTION1£15k
WORSHIPFUL COMPANY OF INSURERS CHARITABLE TRUST1£10k
THE MSE CHARITY1£8k
ALTOR FOUNDATION1£2k

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with CENTRE FOR RESPONSIBLE CREDIT LTD.

Side by side with its peers

CharityIncomeTop pay bandStaff >£60kReserves vs policyFundraising costGoing concern
FAIR CREDIT CHARITY LTD£3.6m£100,001 - £150,000—unclear—no doubt
CENTRE FOR RESPONSIBLE CREDIT LTD FY2025£385k—0above—no doubt
FAIRFIELD RESIDENTIAL HOME FY2025£2.8mmore than £60,0001unclear—no doubt
FAIR CHANCE FOUNDATION FY2024£125k—0unclear—no doubt
CHARTERED INSTITUTE OF CREDIT MANAGEMENT FY2024£1.9m——above—no doubt
FOUNDATION FOR CREDIT COUNSELLING FY2025£64.5m——unclear—no doubt

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.