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Local lending across South Wales

Need a small loan? See your weekly cost.

Your loan at a glance

How would you like to pay?
Repayment length

Representative example

Your monthly repayment

£90.00 a month

for 3 months
You borrow

£200

Borrowed
£200
Interest charged
£70
Total repayable
£270
Flat interest
35% of amount borrowed
Representative APR
534.7%
A couple calmly reviewing a household expense together on a phone
local support
Family-run
established lender
Since 1979
explained clearly
Weekly repayments

What happens next

A clear route from application to decision.

Here’s what you can expect after you start your application.

A local agent being welcomed at a customer's South Wales home

  1. Start online

    Tell us a little about yourself and the loan you’re looking for.

  2. Connect through Open Banking

    Open Banking securely gives us a clear view of your income and spending, without you needing to find, photograph or send bank statements.

    A simpler way to share information

    Open Banking, in plain English

    Open Banking securely connects to your bank so Fairwood can understand your income and spending. You do not need to download, photograph or send bank statements.

    You choose who to share with

    Your information is only shared after you choose and approve the provider. Fairwood never sees your online-banking password.

    No bank statements to send

    Connect your bank and share the information needed in a few simple steps, without downloading, printing, photographing or emailing statements.

    It helps us understand your application

    It gives Fairwood a clearer picture of your regular income and spending, so we can consider whether the repayment looks affordable.

    Read the full Open Banking guide

  3. A local agent contacts you

    We’ll contact you by email to explain what happens next. You can also speak to us by phone. If you’d prefer to speak face to face, a local agent can visit you at home.

  4. We explain the decision

    If we can offer you a loan, we’ll talk you through the agreement and how your repayments work. Once everything is agreed, in most cases your money will be in your bank account within 48 hours.

Your next step

Understand your options.

Explore our loan costs and repayment options, or contact Fairwood if you have a question.

Small loans, local support.

Fairwood is a family-run lender based in Swansea, serving communities in South Wales. We explain the costs and consider whether repayments fit your circumstances.

Find out about lending in South Wales · How to compare small loans