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.

Free Loan Budget Calculators

Video Testimonial: Fixing Bad Credit

Fast Loan Funding

Our loan approval time is fast and Credit Fair-E can get you access to your funds as soon as the next business day. When time is money, you need it fast - we can help. Learn More

Fix Your Credit

Credit Fair-E installment loans will help you build a strong credit profile and assist you in lowering your rates over time. Unlike payday loans, our loans will help you take control of your credit! Learn More

Flexible Terms

We have flexible repayment terms that can be tailored to your needs and timeline. No prepayment penalties on any of our loans. Save money with a custom plan that fits your needs.

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!

Personal Service From Friendly Lenders


Chris is the founder and CEO of Credit Fair-E. He started this company to provide access to fair and affordable financial options to some of the most defenseless members of society. He firmly believes that anyone can achieve their goals if only give the opportunity to succeed. 

Chris once said, “We are disappointed in the way the payday lending industry has wreaked havoc on its borrowers. Credit Fair-e is committed to fair lending practices to ensure we help our borrowers maintain a position of financial security.”


Riley Gilson is the Chief Revenue Officer of Credit Fair-E and has over 7 years of experience in the financial, marketing, and tech industries. He directs and manages all marketing efforts and revenue-generating tasks at Credit Fair-E, and is passionate about the work they do. He wants to make a substantial impact on the lives of Americans who need access to affordable credit opportunities. 

When you work with Credit Fair-E, you’re working with someone who sincerely cares about your individual financial needs. 

Apply for up to $1000 in less than 2 minutes!

I took out this small loan to assist with repairing my credit. I was successful in doing so, and set up auto payments so that I would not have to worry about missing my payments and chancing ruining my credit. It worked so well that I am doing it again. The process was easy from start to finish! Their customer service is stellar as well!

Shecurtia Cain-Harris

Helped build my credit, and when I had unexpected car trouble they quickly, and efficiently helped me out of a jam. A great,flexible, and fair program to use.

Nick Valvano

I have taken 2 loans out with Credit Fair-E. They are very honest company with very personable and polite staff. They have been very helpful with any questions I have had. I would strongly recommend this company for your loan needs.

Robert Purcell

Overall great company! I've borrowed from them twice now. Paying off my last loan, thank you!

Precious Turner

Frequently Ask Questions

  • Are you a direct lender?
    • We are a direct lender. Working with a direct lender means you can be certain who you are working with and be certain we will not sell your information to other companies looking to make a loan offer to you. 
  • Are you a payday lender?
    • 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. 
  • Do you report to the credit bureaus? 
    • 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. 
  • Are you legitimate? 
    • We are licensed to lend in Ohio and Kentucky and have passed multiple license reviews and examinations with no fines or borrower restitution. 
  • How much will my monthly payment be? 
    • 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.  
  • Are you licensed? 
    • 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

Having bad or no credit won't be a problem for you with Credit Fair-E. We do not use a traditional credit report in our underwriting process. We do however report your payment history to credit agencies, giving you the opportunity to build your credit upon successful repayment of your loan.

Flexible Payment Plans

Unlike most traditional payday loans, Credit Fair-E won't be asking you to repay the balance of your loan plus additional fees in two weeks. At Credit Fair-E, we offer up to 12 month terms to accommodate all budget requirements and give you greater control over the pace at which you repay the loan. Most borrowers have 30 days before their first payment is due.

Responsible Loans

At Credit Fair-E our loans are built around the needs of our consumers. Your loan amount is aligned with your capacity to repay. Our goal is to help  you resolve your short term financial needs and not trap you in a cycle of debt.

Privacy & Security

At Credit Fair-E your privacy is very important us. We maintain high levels of encryption on our systems to ensure your personal information is protected at all times. You can verify the site is secure at any point by checking the padlock to the left of our website in the address bar. Credit Fair-E maintains an active license in each state we do business in.

Fair & Transparent

With a Credit Fair-E installment loan, there are no hidden fees and all loans can be repaid early with no penalties. All applicants will get a quick response notifying them of their loan approval status with a clear explanation of all costs associated with the loan.

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

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.

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.


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