Lender Profile: Salad

Cara Bradley

Written by

Cara Bradley

4 min read

Updated: 02/11/2026


Introducing one of our trusted lenders, Salad.


the Salad website homepage

Direct lender/ credit broker: Direct lender


Financial Conduct Authority (FCA) registration: Salad Finance Limited is authorised and regulated by the FCA. You can view their company profile on the FCA register.
For your peace of mind, Viva Money only works with FCA-authorised and regulated lenders.


Types of products offered: Short-term personal loans.


Available amounts: New Salad customers can apply to borrow between £300 and £1,500.

If searching for a loan of £500 or £750, Viva Money customers could be matched with Salad.
Need a different amount? You can search for a loan between £100 and £10,000 with Viva Money.


Available repayment terms0: 6, 12, 18, or 24 months, depending on the amount of money you apply for and are approved to borrow.


Advertised Representative Annual Percentage Rate (APR): Salad advertises a Representative APR of 89.5%.


Salad Representative Example: Borrow £500 over 18 months with a Representative APR of 89.5%. Total amount repayable £804.60. Monthly repayment £44.70 with an interest rate of 65.67% per annum (fixed).


Eligibility criteria:
You could be eligible for a loan with Salad if you:

  • Are over the age of 18
  • Have been in your current employment for at least 5 months
  • Receive a minimum monthly income of £1,650 after tax
  • Have your income paid into your current account
  • Have access to online banking

Salad states that at least £1,450 of your monthly income must come from wages; the rest could include other sources, such as pension payments and/or benefits, if applicable.


Salad payout timescale: Salad could send your money within 2 hours of approval.*


Late repayment fees: If you’re struggling to repay your Salad loan, please contact them as soon as you can. There may be things they can do to help.
On their website, Salad states the following:

“We understand that missing payments is stressful and can sometimes be unavoidable, and we will do our best to help you stay on track with your Salad account. […] If you would like to request a reduced payment plan or payment holiday, please use the ‘Can't make your payment?’ on your MyAccount home page, and we will look into your request as soon as possible.”


Early repayment fees: You can repay your Salad loan early with no fees.


Salad Trustpilot reviews: As of October 2026, Salad is rated ‘Excellent’ on Trustpilot.


Salad Contact details
There are several ways to contact Salad.

The Salad team are available Monday to Friday between 9am and 6pm, excluding bank holidays.

Are you worried about money?

Free, confidential debt and money advice is available from the following charities and organisations:

Searching for a loan with Viva Money: how does it work?

Salad is just one of the 50+ direct on our panel. With Viva Money, you could search for a loan between £100 and £10,000. Spread the cost of your loan across a repayment term from 3 to 60 months, depending on the amount of money you apply to borrow.
All credit scores welcome.

  1. Fill out our five-minute online form.

  2. In just 60 seconds, we’ll run a soft search and scan our panel of lenders for a suitable loan with no impact to your credit score.**

  3. If you’re matched with a loan, you’ll be redirected to the lender’s website where you can find out more and decide whether you’d like to make a full application.

  4. Happy with the loan? If you decide to go ahead, the lender will complete a creditworthiness assessment.

  5. If you pass the lender’s checks, they’ll let you know when your money will be sent.

*The time it takes for the money to appear in your account will depend on your bank’s policies and procedures.

** Viva Money uses soft search technology, which will not impact your credit score. If you’re matched with a lender and choose to make a full application, they will carry out a creditworthiness assessment, which will include a hard search or an Open Banking check. Please be aware that a hard search will remain on your credit file for up to 12 months, and multiple hard searches in a short period of time could cause your credit score to decline.