Yes, you can apply for a quick loan even if you have low credit, as Salad don’t use a credit score in our initial lending decision. Our everyday loans use an Open Banking assessment system to judge loan affordability, making them easily accessible to anyone who requires quick financial support, regardless of their credit history.
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Everyday Loans
Looking for Everyday Loans?
- Available to Those With Low Credit Scores
- Quick Loan Approval
- Easy, Transparent Application Process
- No credit score use in initial lending decision
- No Early Repayment Fees
- No Hidden Fees
- Reliable Support Team
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What People Say About Us
Reasons To Choose an Everyday loan
Are you looking for a loan to help you better manage your finances? Choose Salad for easy, affordable and regulated everyday loans.
We understand that life isn’t always fair, and unexpected day to day expenses can leave you with a lack of funds. That’s why our everyday loans are designed to offer quick financial relief to anyone experiencing difficult times.
As an online UK lender, we provide everyday loans specifically designed to support people struggling with financial setbacks. Our everyday loans are easily accessible and don’t involve credit score checks, instead using Open Banking technology, making them ideal for those who need everyday financial support.
With our unique Open Banking assessment system, we analyse your current financial situation to determine loan affordability, rather than the outdated credit score system. Our approach allows us to provide you with the money you need quickly, when you need it.
If you need an everyday loan, apply with Salad now.
What Are Everyday Loans?
When you face unexpected expenses that need to be addressed immediately, you need a fast, convenient, everyday solution. Salad’s everyday loans are designed to lighten your financial burden and help you address urgent expenses, no matter what you need it for.
Our everyday loans allow you to borrow exactly what you need to take care of your financial obligations, without the need to use your credit score for our initial lending decision. With 6,12, 18 and 24 month terms and no early repayment fees, you can take back control of your finances.
Using Open Banking software, we analyse your current financial situation to gauge your ability to repay your loan, instead of just relying on your credit score. This fairer and more convenient process allows us to provide easily accessible loans to those who require them.
Finding quick financial solutions for everyday emergencies shouldn’t have to be an uphill battle. One of the best aspects of our everyday loans is our easy and quick application process, which allows us to support you in applying for the money you need.
Why Choose Our Everyday Loans?
As a prominent online lender in the UK, we pride ourselves on offering everyday loans that are easy to access, ethical, and affordable.
We recognise that life is unpredictable, and many of us encounter unexpected financial obstacles along the way. Our everyday loans are designed to provide you with quick financial relief to help get your finances back on track.
Here are some of the reasons to choose our everyday loans:
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Easy Application Process:
With a straightforward application process, our everyday loans are designed to help people over 18 and in employment who require immediate financial assistance. Unlike traditional loans, our everyday loans don’t involve any complicated paperwork or lengthy waiting periods, allowing you to access the funds you need quickly.
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No credit score usage in initial lending decision:
Many traditional lenders and banks conduct lengthy credit score checks for their loans. We take a different approach, using an Open Banking assessment system to gauge loan affordability and your ability to repay the loan. This allows us to fairly judge your financial situation and provide you with the money you need.
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Fast Approval:
Our everyday loans have quick approval times, making it easy for you to access the money you need. After your application is approved, the funds are directly transferred into your bank account, so you can use them to address immediate expenses and time-sensitive emergencies, typically within 2 hours.
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No Hidden Fees:
Many lenders include hidden fees within their loan agreements. These charges can slip under the radar and lead to additional expenses on top of the loan amount.
At Salad, we maintain complete transparency and trust to provide you with exactly what you need, with no fine print to catch you out. Our everyday loans have clearly outlined terms and conditions to ensure you never need to worry about hidden fees or charges.
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Flexible Repayment Terms:
When it comes to paying off everyday loans, many lenders expect you to repay the loan quickly, often by the next payday.
We recognise that this approach leads to additional stress on top of your existing financial strain. That’s why we offer no-cost-early repayment options alongside a flexible repayment period of up to 24 months, so you can make the most of your finances without the pressure of fast repayment.
Who Can Benefit from Everyday Loans?
Salad’s everyday loans can be accessed by anyone over 18, working in the public or private sector who earns more than £1,500 per month. Our quick and simple approval process makes our everyday loans ideal for all types of urgent expenses and emergencies.
Here are some scenarios where our everyday loans could help you regain control of your finances:
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Car Repairs:
Many of us rely on our cars for a convenient way to get about and commute to work. So when breakdowns do occur, they can be incredibly frustrating.
Our everyday loans are designed to help you effectively deal with emergency car repairs. You can use our everyday loans to cover the cost of fixing up your car, allowing you to get back on the road as quickly as possible.
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Home Repairs:
Home issues, such as a leaky roof or a broken boiler, can be challenging to repair and often occur when you least expect it. One of the worst aspects of home repair issues is their time sensitivity.
Our everyday loans have a fast and easy approval process to ensure you can quickly access the money you need to address immediate home repair issues, avoiding further damage.
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Pet Care Expenses:
Those of us with pets will agree that they’re a big part of the family, and we want to keep them happy and healthy. But unexpected pet care expenses, especially if you don’t have pet insurance, can be an expensive surprise.
Our everyday loans can help you manage unexpected pet care costs, providing financial flexibility when you need it.
How To Apply for Our Everyday Loans
We’re aware of the many obstacles borrowers often face when applying for traditional loans. That’s why we’ve made the loan application process for our everyday loans simple.
Here are the steps to apply for our everyday loans:
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1) Fill in the Online Application
Begin with filling in the online application and sharing your key details, including your name, age, source of income, and employment status. You’ll then need to provide us with protected access to your financial information through the our Open Banking system.
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2) We Assess Your Loan Application
We recognise that the traditional credit system isn’t always fair. That’s why we use a unique Open Banking assessment system to gauge loan affordability based on your current financial situation, instead of just your credit score.
Open Banking is supported by most banks in the UK, so you can rest assured that we’ll keep your financial information safe. This fair and convenient system helps us provide you with the money you need, irrespective of your credit score.
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3) We Approve Your Loan and Transfer the Funds
After reviewing your application, typically on the same day, we’ll share the terms and conditions of the loan, the interest rate, and the repayment period. Once you accept the loan terms, we’ll directly transfer the money into your bank account, so you can immediately attend to urgent expenses. Typically, money is received within 2 hours of approval.
Frequently Asked Questions
Got questions? We’ve answered some of the most common ones below to help you feel confident about borrowing with Salad.
You can receive an everyday loan with Salad within the same day. After your application is approved, the loan amount will be promptly deposited directly into your bank account, typically within two hours.
Yes, you can repay your everyday loan early. With our no-cost early repayment options, you can repay your loan as early as you’d like. This helps you save on interest and reduces your debt burden.
Why Choose Salad?
When you’re looking for a quick solution to everyday financial emergencies, it’s essential to carefully consider all your available options and choose a fair and flexible lender. With Salad, you’ll benefit from a fair and straightforward borrowing experience that will provide you with the financial support you need.
We recognise that life doesn’t always go as planned. If you’re ever dealing with an unexpected expense, our fair and affordable everyday loans are here to help you access the money you need, regardless of your credit score.
With our ‘More Than Your Score’ loans, we provide financial assistance to people in employment who have been let down by the traditional credit system. Our everyday loans are fair and transparent, with no early repayment fees.
Using a unique Open Banking-based assessment system, we analyse your current financial situation to determine your loan affordability. Our everyday loans are quick and fair, helping you receive the money you need when you need it.
At Salad, we deeply value your privacy and security. That’s why we strictly adhere to all regulatory rules and guidelines to provide a safe borrowing experience.
With our everyday loans and all our other loan offerings, we clearly communicate our loan terms and conditions to eliminate any confusion. If you need additional support, our team of professionals is always available to answer any questions you may have.
To learn more about our quick loans or other services, click here.
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