Salad Review

Company Name: Salad (trading as Salad Finance Ltd)

Registered/Regulatory Details: Registered in England No. 11006249. Authorised and regulated by the Financial Conduct Authority (FCA) - registration number 795723.

Representative APR: Up to 59.9% APR for a £2,000 loan

Minimum/Maximum Loan Amounts: £300 to £2,000

Loan Terms: 6 months to 24 months

Cost to Borrow £300 for 6 months: £365.49

Representative Example: Borrow £2,000 over 24 months for a monthly repayment of £134.28, with a total repayable sum of £3,222.72 and a 59.9% APR. The interest rate is 47.88% per annum (fixed).

Hidden Fees: NO

Promo Code: NO

Contact: 0203 092 0896

General Information:

Salad positions itself as a modern alternative to traditional high-APR short-term lenders by leveraging Open Banking and more holistic affordability checks.

For borrowers whose credit histories are less than perfect but who have stable income and manageable outgoings, Salad may offer a viable option, particularly for medium-sized loans (up to around £2,000) and longer terms (up to 24 months) as per their example.

That said, as with all credit products, it’s essential for any applicant to carefully review the final terms offered (actual APR, total repayable, monthly repayment) before accepting and to borrow only what you can safely repay.

Application & Approval Process:

The site lets you choose your desired loan amount and repayment schedule via an on-site “loan builder.”

You can then create an account and provide Salad access to your Open Banking data (i.e., your bank transaction history) so they can securely assess your income, expenditure and ability to repay.

They say that the decision is usually made within one working day, and if approved, funds are typically delivered within 2 hours.

While they do carry out affordability checks, you will not be subject to a direct credit score check in the traditional sense.

This combination (using Open Banking data, faster decisions, and relatively short payout times) is an appealing feature for people who may struggle under stricter credit-score-only models.

Because their assessment is not purely based on credit score, they may accept more borderline applicants than traditional lenders.

Eligibility & Other Conditions:

●     Be at least 18 years old

●     Be a UK resident

●     Have a UK bank account

●     Be employed by your current organisation for at least six months

●     Earn a minimum monthly income of at least £1,500 after taxes

●     Receive your salary through PAYE (Pay As You Earn)

●     Be willing to share your financial data securely via Open Banking

Repayment Terms:

Salad offers repayment terms of up to 24 months, allowing borrowers to spread the cost over manageable monthly instalments. Repayments are fixed, so the amount stays the same each month, making budgeting easier. There are no early repayment fees.

Payments are collected automatically on the agreed date to help borrowers stay on track. While longer terms reduce monthly pressure, they can increase the total amount repaid, so it’s important to choose a term that fits both your needs and financial comfort.

There are no overt hidden fees advertised (e.g., "application fees" or "processing fees"). However, as with all loan providers, the effective cost will depend on your exact borrowing amount, term, and your own financial profile via their affordability checks.

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