01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 22 May 2015
- Removed
- Not supplied
- Company number supplied
- 08991099
- Financial period
- 1 January 2024 – 31 December 2024
- Latest income
- £4,084,457
- Latest expenditure
- £4,150,141
- Gift Aid
- No
- Owns or uses land
- Yes
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: Unit 8 Elm Court, Meriden Business Park, Copse Drive, COVENTRY, CV5 9RG
Website recorded by the regulator: www.faircreditcharity.org.uk (displayed as text)
02 Activities
What the charity does
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.
03 Official extract
Charity Annual Return History
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Cycle Reference
- AR24
- Reporting Due Date
- 31 October 2025
- Date Annual Return Received
- 29 August 2025
- Date Accounts Received
- 29 August 2025
- Total Gross Income
- £4,084,457
- Total Gross Expenditure
- £4,150,141
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Cycle Reference
- AR23
- Reporting Due Date
- 31 October 2024
- Date Annual Return Received
- 11 October 2024
- Date Accounts Received
- 11 October 2024
- Total Gross Income
- £4,844,614
- Total Gross Expenditure
- £4,626,387
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Cycle Reference
- AR22
- Reporting Due Date
- 31 October 2023
- Date Annual Return Received
- 22 December 2023
- Date Accounts Received
- 22 December 2023
- Total Gross Income
- £6,060,562
- Total Gross Expenditure
- £4,750,630
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Cycle Reference
- AR21
- Reporting Due Date
- 31 October 2022
- Date Annual Return Received
- 17 October 2022
- Date Accounts Received
- 17 October 2022
- Total Gross Income
- £4,995,091
- Total Gross Expenditure
- £4,698,985
- Fin Period Start Date
- 1 January 2020
- Fin Period End Date
- 31 December 2020
- Ar Cycle Reference
- AR20
- Reporting Due Date
- 31 October 2021
- Date Annual Return Received
- 28 September 2021
- Date Accounts Received
- 30 September 2021
- Total Gross Income
- £6,956,652
- Total Gross Expenditure
- £4,418,144
04 Official extract
Charity Annual Return Parta
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Due Date
- 31 October 2025
- Ar Received Date
- 29 August 2025
- Total Gross Income
- £4,084,457
- Total Gross Expenditure
- £4,150,141
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- Yes
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 11 October 2024
- Total Gross Income
- £4,844,614
- Total Gross Expenditure
- £4,626,387
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Due Date
- 31 October 2023
- Ar Received Date
- 22 December 2023
- Total Gross Income
- £6,060,562
- Total Gross Expenditure
- £4,750,630
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 70001 80000
- 1
- Count Salary Band 130001 140000
- 1
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Due Date
- 31 October 2022
- Ar Received Date
- 17 October 2022
- Total Gross Income
- £4,995,091
- Total Gross Expenditure
- £4,698,985
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR20
- Fin Period Start Date
- 1 January 2020
- Fin Period End Date
- 31 December 2020
- Ar Due Date
- 31 October 2021
- Ar Received Date
- 28 September 2021
- Total Gross Income
- £6,956,652
- Total Gross Expenditure
- £4,418,144
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- Yes
- Trustee Also Director Of Subsidiary
- Yes
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 0
05 Official extract
Charity Annual Return Partb
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Due Date
- 31 October 2025
- Ar Received Date
- 29 August 2025
- Income Donations And Legacies
- 0
- Income Other Trading Activities
- 3708043
- Income Charitable Activities
- 0
- Income Investments
- 0
- Income Other
- 376414
- Income Total Income And Endowments
- 4084457
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £4,147,621
- Expenditure Charitable Expenditure
- £2,520
- Expenditure Other
- 0
- Expenditure Total
- 4150141
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 2520
- Expenditure Support Costs
- 0
- Expenditure Depreciation
- 346286
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £3,432,380
- Assets Total Fixed
- 1094876
- Assets Own Use
- 1094876
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £11,434,036
- Assets Total Liabilities
- £9,096,532
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £3,432,380
- Creditors One Year Total Current
- 1739254
- Creditors Falling Due After One Year
- 7357278
- Assets Cash
- £3,537,062
- Funds Endowment
- 0
- Funds Unrestricted
- 3432380
- Funds Restricted
- 0
- Funds Total
- 3432380
- Count Employees
- 22
- Consolidated Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 11 October 2024
- Income Donations And Legacies
- 183163
- Income Other Trading Activities
- 4454356
- Income Charitable Activities
- 5000
- Income Investments
- 0
- Income Other
- 202095
- Income Total Income And Endowments
- 4844614
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £4,623,686
- Expenditure Charitable Expenditure
- £2,701
- Expenditure Other
- 0
- Expenditure Total
- 4626387
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 0
- Expenditure Support Costs
- 2701
- Expenditure Depreciation
- 13578
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £3,498,064
- Assets Total Fixed
- 859596
- Assets Own Use
- 859596
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £11,539,689
- Assets Total Liabilities
- £8,901,221
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £3,498,064
- Creditors One Year Total Current
- 4471342
- Creditors Falling Due After One Year
- 4429879
- Assets Cash
- £2,031,448
- Funds Endowment
- 0
- Funds Unrestricted
- 3498064
- Funds Restricted
- 0
- Funds Total
- 3498064
- Count Employees
- 25
- Consolidated Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Due Date
- 31 October 2023
- Ar Received Date
- 22 December 2023
- Income Donations And Legacies
- 1312557
- Income Other Trading Activities
- 4343232
- Income Charitable Activities
- 0
- Income Investments
- 0
- Income Other
- 404773
- Income Total Income And Endowments
- 6060562
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £4,748,110
- Expenditure Charitable Expenditure
- £2,520
- Expenditure Other
- 0
- Expenditure Total
- 4750630
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 0
- Expenditure Support Costs
- 2520
- Expenditure Depreciation
- 17028
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £3,279,837
- Assets Total Fixed
- 599357
- Assets Own Use
- 599357
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £10,253,297
- Assets Total Liabilities
- £7,572,817
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £3,279,837
- Creditors One Year Total Current
- 1378732
- Creditors Falling Due After One Year
- 6194085
- Assets Cash
- £1,077,248
- Funds Endowment
- 0
- Funds Unrestricted
- 3279837
- Funds Restricted
- 0
- Funds Total
- 3279837
- Count Employees
- 29
- Consolidated Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Due Date
- 31 October 2022
- Ar Received Date
- 17 October 2022
- Income Donations And Legacies
- 97083
- Income Other Trading Activities
- 4360215
- Income Charitable Activities
- 0
- Income Investments
- 0
- Income Other
- 537793
- Income Total Income And Endowments
- 4995091
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £4,698,985
- Expenditure Charitable Expenditure
- £0
- Expenditure Other
- 0
- Expenditure Total
- 4698985
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 0
- Expenditure Support Costs
- 0
- Expenditure Depreciation
- 126831
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £1,969,905
- Assets Total Fixed
- 425896
- Assets Own Use
- 425896
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £8,650,503
- Assets Total Liabilities
- £7,116,594
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £1,959,805
- Creditors One Year Total Current
- 3359637
- Creditors Falling Due After One Year
- 3756957
- Assets Cash
- £990,417
- Funds Endowment
- 0
- Funds Unrestricted
- 0
- Funds Restricted
- 1959805
- Funds Total
- 1959805
- Count Employees
- 32
- Consolidated Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR20
- Fin Period Start Date
- 1 January 2020
- Fin Period End Date
- 31 December 2020
- Ar Due Date
- 31 October 2021
- Ar Received Date
- 28 September 2021
- Income Donations And Legacies
- 2350000
- Income Other Trading Activities
- 4075442
- Income Charitable Activities
- 0
- Income Investments
- 0
- Income Other
- 531210
- Income Total Income And Endowments
- 6956652
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £4,418,144
- Expenditure Charitable Expenditure
- £0
- Expenditure Other
- 0
- Expenditure Total
- 4418144
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 0
- Expenditure Support Costs
- 0
- Expenditure Depreciation
- 62328
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £1,673,986
- Assets Total Fixed
- 290257
- Assets Own Use
- 290257
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £8,063,897
- Assets Total Liabilities
- £6,680,168
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £1,673,986
- Creditors One Year Total Current
- 1785492
- Creditors Falling Due After One Year
- 4894676
- Assets Cash
- £588,743
- Funds Endowment
- 0
- Funds Unrestricted
- 1673986
- Funds Restricted
- 0
- Funds Total
- 1673986
- Count Employees
- 27
- Consolidated Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Region
- Geographic Area Description
- Throughout England And Wales
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Scotland
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Europe
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 206
- Classification Type
- Who
- Classification Description
- Other Defined Groups
- Classification Code
- 310
- Classification Type
- How
- Classification Description
- Other Charitable Activities
- Classification Code
- 102
- Classification Type
- What
- Classification Description
- Education/training
- Classification Code
- 303
- Classification Type
- How
- Classification Description
- Provides Other Finance
- Classification Code
- 201
- Classification Type
- Who
- Classification Description
- Children/young People
- Classification Code
- 105
- Classification Type
- What
- Classification Description
- The Prevention Or Relief Of Poverty
08 Official extract
Charity Event History
- Charity Name
- FAIR CREDIT CHARITY LTD
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2015-05-22T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES INCORPORATED 10 APR 2014 as amended on 27 May 2021 as amended on 13 Apr 2022
- Charitable Objects
- THE OBJECTS OF THE CHARITY ARE FOR THE PUBLIC BENEFIT TO:ADVANCE EDUCATION IN RELATION TO MONEY AND DEBT MANAGEMENT;RELIEVE FINANCIAL HARDSHIP AND DISTRESS; ANDPREVENT AND RELIEVE POVERTY;INCLUDING WITHOUT LIMITATION THROUGH THE ADVANCEMENT, PROVISION AND FACILITATION OF AFFORDABLE SOURCES OF CREDIT AND OTHER FINANCIAL SERVICES TO INDIVIDUALS IN LOW INCOME HOUSEHOLDS, WITH A VIEW TO ENABLING SUCH PERSONS TO RENT AND/OR OWN BASIC GOODS FOR THE HOME AND OTHER EVERYDAY PURPOSES AND WITH A VIEW TO PREVENTING SUCH PERSONS FROM FALLING PREY TO UNSCRUPULOUS OR USURIOUS PROVIDERS OF CREDIT.
10 Official extract
Charity Other Names
- Charity Name Id
- 558701
- Charity Name Type
- Previous name
- Charity Name
- FAIR FOR YOU LTD
11 Official extract
Charity Policy
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Complaints policy and procedures
- Policy Name
- Risk management
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Complaints handling
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Conflicting interests
- Policy Name
- Trustee conflicts of interest policy and procedures
- Policy Name
- Trustee expenses policy and procedures
- Policy Name
- Volunteer management
- Policy Name
- Internal charity financial controls policy and procedures