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Affordable lending for Public Sector employees

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£1000 over 18 months. Interest 54.19% p.a. (fixed). Repay £82.28 for 17 months then one final payment of £84.84 per month, total amount repayable £1483.60. Representative 69.9% APR.


This loan may be suitable for you if:

  • You are employed by the NHS or in the Public Sector
  • You want a competitively priced loan up to £1000
  • You want a loan that isn’t just based on your credit score

This loan may not be suitable for you if:

  • You are not employed by the NHS or Public Sector.
  • You already have outstanding payday loans or short term loans.
  • You are already in financial difficulty and wouldn’t be able to repay the loan.

How it works...

Apply to Salad Money using the form below. Applying won't affect your credit score^
We'll check your eligibility for a loan against the application criteria and if suitable, you’ll be sent to the Salad Money website
If you are not eligible for a Salad Money loan, we will try our other lenders to see if we can get you a loan elsewhere
If another lender accepts your application you’ll be redirected to their website

^In order to assess your suitability for a loan, lenders may perform a soft credit check, this does not harm your credit score and is not visible to other lenders. If you accept a loan offer, you will be redirected to the lender and they may ask to perform a full credit check.

If you're a Public Sector employee, start your application below


Salad Money

About Salad Money

Salad Money is a for-profit social enterprise and believes that lending should be fair for everyone. They provide small, affordable loans to NHS and Public Sector employees.

Depending on Salad Money’s relationship with your NHS trust, they offer salary-deducted loans or loans that you repay via Direct Debit. Other industries that Salad Money can lend to including those people working within local Government, Telecommunications, Utilities and Emergency Services.

Comparisons on allthelenders assume your trust currently has no relationship with Salad Money, however, if your trust does have a relationship with them you may be offered a cheaper loan.

Salad Money will not make a decision on your loan based on your credit score, they use the latest technology in Open Banking to make sure the loan is affordable for you. Open Banking is a UK wide FCA regulated service that gives you more control over your banking data. Open Banking enables you to share your data securely with selected third parties such as Salad Money.

Eligibility Criteria

You must be over 18 years of age.

You must be in permanent employment with an NHS trust or working in the public sector.

You must not be currently serving your probation or notice period.

You have not been registered as insolvent in the last 6 years.

You are not currently in any form of debt management plan including an Individual Voluntary Agreement (IVA) / and Trust deed or, within the last year, have experienced any form of bankruptcy, sequestration or DRO (Debt Relief Order).

You are not suffering from any illness or addiction which would mean that borrowing money would be likely to cause you harm. While many forms of addiction exist, alcohol, drugs, and gambling are the most common, and all of these can lead to personal, health, and financial harm (including becoming over indebted or spending too much).


All NHS employees and those working in the public sector who are over 18 can apply for a Salad Money loan, but you’ll need to meet their lending criteria.  Salad Money loans are not suitable for those who may already be struggling with debt.

Salad Money differs from many other lenders because their lending decision isn’t based on your credit score, they use Open Banking to take a look at your incomings and outgoings and then determine whether a loan is affordable for you or not – this is a much fairer way of assessing your suitablity for a loan.

The great thing about applying on allthelenders is that if Salad Money cannot accept your application then we will search our comprehensive panel of lenders to see if any other lenders will accept you, saving you time and helping you to get the loan that you need.

Repaying a Salad Money Loan

You can repay your Salad Money loan over 12 or 18 months and there are 2 different ways to repay your loan, depending on their relationship with your trust.

You may be able repay your loan through Salary Deduction or through Direct Debit, if Salad Money have a relationship with your trust both options are available, if they don’t have a relationship then you can only repay through Direct Debit. Those not working in the NHS will repay their loans through Direct Debit.

Once you have repaid your Salad Money loan, subject to affordability checks you may be eligible to borrow again and you may be offered a higher amount.

Salad Finance Limited is authorised & regulated by the Financial Conduct Authority.