Direct Lender Loans

A Credit Fair-e loan differs from a payday loan in that it is an installment loan. Unlike payday loans that are designed to trap you in a cycle of debt, a Credit Fair-e loan is designed so you can repay the loan without having to re-borrow again and again. This allows the borrower to rebuild their credit profile with successful loan payments. Credit Fair-e sizes our loans to fit your budget. We do this to ensure that our respected clients never borrow more than they can afford to pay back.

Why Credit Fair-E Cash Loans

A Credit Fair-E loan is the preferred alternative to a payday loan, potentially saving you hundreds of dollars in fees. We are passionate about providing fast and fair installment loans when you need them most. Unlike traditional lenders, we have designed our loan process around you the consumer.

Credit Fair-e is the payday loan alternative designed specifically for responsible borrowers. With Credit Fair-e families can break their cycle of debt with access to fair, affordable loans designed so the borrower can successfully repay the loan without the need to re-borrow.

Apply now and see how affordable it really is!

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Frequently Ask Questions

We are a direct lender. Working with a direct lender means you can be certain who you are working with and be ertain we will not sell your information to other companies looking to make a loan offer to you.

We are not a payday lender, we are an installment lender. Our loans are not different than an auto loan or a mortgage loan. With a payday loan, you are required to pay the full loan principal and interest in a single payment which can be difficult to do without needing to reborrow, trapping you in a cycle of debt. With us, you can make payments over time which allows you to fit the payment into your budget.

We report payment history to Transunion, one of the 3 major credit bureaus. This means you can use our loans to build or rebuild your credit. You cannot do that with a payday loan as the credit bureaus will not accept their payment history.

We are licensed to lend in Ohio and Kentucky and have passed multiple license reviews and examinations with no fines or borrower restitution.

Your monthly payment will vary depending on your loan amount but we size the loan amount and loan payment amount to fit within your budget. We do this so you can always repay your loan without the need to reborrow and still meet the other financial obligations in your life.

We are licensed to lend in Ohio and Kentucky and have passed multiple license reviews and examinations with no fines or borrower restitution.

  • Bad Credit Options
  • Flexible Repayment Terms
  • Responsible Loans
  • Privacy & Security
  • Fair & Transparent

Easy Underwriting What Happens Next?

After you submit your application, we run it through our initial underwriting process to verify the information submitted. Whether you are approved or decline, we will notify you via email within 24 hours. If you fall outside of the states we currently do business in, you will be notified immediately.

Once you receive your approval email, most applicants will need to submit income verification documents along with their government issued photo ID. While not the same for every applicant, the following is commonly requested:

  • 2 most recent pay stubs and/or benefit verification letter
  • 2 most recent bank statements
  • Copy of government issued photo ID

Once you have gathered the necessary documents, you can submit them to: Once we have received and reviewed your loan applicaiton and documents, you will receive a loan decision immediately.

Once your loan is approved we will electronically transfer the loan funds to your account.

Break The Cycle Don't be trapped by debt.

Get on the path to better financial health.

At Credit Fair-E we are passionate about helping consumers improve their financial health. Our loans are designed to help you meet your financial needs, while still meeting your other financial obligations. We even help you improve your credit so that you may be eligible for better terms in the future. What are you waiting for? Give us a try.

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