Who are Salary Finance?
What We Do
We partner with your employer to provide financial products and services (loans, advances, savings and financial education) that help you lead a happier, healthier financial life.
How It Works
We offer products through your employer which are linked to your salary and tailored to your individual circumstances, allowing you to take control of your finances.
What we do
We offer a range of salary-linked employee benefits that improve financial wellbeing.
Borrow
Borrow responsibly with affordable loans
Our employee loans typically have higher acceptance and lower interest than those from traditional lenders, allowing you to take control of your debt and improve your credit score. And with repayments coming straight from your salary, you'll never miss a payment. For specific Representative APR, see your employer page.
Advance
Your Pay, Your Way
Access your earned pay when you need it most. Whether it's for unexpected bills or to spread costs throughout the month, we allow you to make your pay work better for you.
Save
The Simplest Way to Save
By linking your savings directly to your salary, we make putting money away simple. We allow you to top up your savings the moment you get paid, making it easier to stay on track. Just sit back and watch your savings grow.
Help to Save
Get rewarded for saving.
The Help to Save Government scheme helps you to start, and continue saving. By saving just £50 a month, you could earn up to £1,200 in tax-free bonuses from the Government over four years.
Don’t Take Our Word For It…
“I am well pleased with Salary finance and if I am to choose a 1000 Times, I will Salary finance. Reasons, the fairness, honesty, cheap APR and reliability. You are one in a million and thanks for savi...”
customer
“For the hardworking men and women of the railways, managing finances can sometimes be as challenging as keeping a complex network on schedule. Unexpected expenses, car repairs, or family emergencies c...”
Ali Abdulgalil
“Exceptional company, was extremely quick and the forms I had to filll in was so easy too”
Jess
“Can be helpful especially when starting out”
Stephen Raven
“Amazing genuinely helpful and also very easy to use make sure to try it out if you need to access cash before you’re payday ”
Jonathan
“It’s perfect just before ur payday when ur running abit low with a little charge fee”
Maddison
“Really easy to use and great to know you can get an advance quickly and easily ”
Sarah Inchley
“Love this service! It’s a life saver when unexpected expenses arise throughout the month! ”
Hayley Craig
“Just simply the best if you need to use it, I would recommend it to anybody.”
customer
“When I get paid everything gets paid, which means im broke until my son gets paid on the 10th of the month. But by dipping into next months pay, I have enough for those little extras we might need. I...”
Sarah Louise Melling
“Very easy to use, set up through work and guides you through what needs to be done - done in less than 5 minutes”
Jo
“Absolutely Excellent service. Very quick annd straightforward to apply and cash came within an hour of applying. Again, Amazing service and would definitely recommend! ”
Stewart Ford
“Salary finance is fantastic a great support tool to help me out when I’m running low on funds before payday. Much better than an overdraft and it’s great that it can be used up to 3 times a month....”
lucy jones
“I have been using Salary Finance for about 8 months now, and let me tell you—it's one of those employee perks that quietly becomes your financial superhero. As someone who's dealt with the stress of...”
Sofia Sofianidi
“Clear process to follow and the advance came through quick. ”
Katie litherland
“Better than using a bank . Great interest rates. And the money comes out of my salary so I don’t notice the repayments.”
Billy Miskelly
“Never any issues with Salary finance. Prompt and efficient service ”
Sandra Glasspell
“Really useful to have available the app and website are much better than they used to be and the team are friendly and helpful ”
Viki Pearson
“Amazingly straightforward and very quick to apply. Lowest rates. Instant decision and funds transferred in minutes. Thoroughly recommend them and will definitely use them again”
Patrick O’Connor
“Absolutely brilliant! so easy and quick to use and the money doesn’t take long at all to come, customer help is very quick to respond and helpful to sort out any issues!”
Millie
Awards we've won
We have been recognised for our commitment
to innovation and social purpose
to innovation and social purpose
Member
Most Influential Financial Technology Firms of 2023
19th Place
2021 Deloitte UK Fast 50
Finalist
2020 Financial Education Provider of the Year
Winner
2020 Ethical Financial Services Provider of the Year
Winner
2020 Consumer Champion of the Year
Finalist
2020 Best Financial Education Strategy
Winner
2019 Workplace Savings & Benefits Initiative of the Year
Winner
2019 Most Effective Marketing Campaign of the Year (Financial Wellbeing for the NHS)
Winner
2019 Most Effective B2B Campaign of the Year (Financial Wellbeing for the NHS)
Finalist
2019 Mental Health & Wellbeing Strategy of the Year (Virgin Active)
Winner
2019 Loan Provider of the Year
Winner
2019 Judges Award for Consumer Insight (The Employer's Guide to Financial Wellbeing)
Winner
2019 Innovation in Consumer Finance (Advance product)
Winner
2019 Global Social Impact Award
Winner
2019 Future Fifty Cohort
Winner
2019 Fintech Fifty Cohort
Winner
2019 Financial Inclusion Award
Winner
2019 Employee Benefits Award (Dunelm)
Winner
2019 Best Fintech Lender
Winner
2019 Best Fintech Innovation (Borrow product)
Winner
2019 Best Benefits Strategy of the Year (Dunelm)
Winner
2019 Benefits Innovation of the Year (Advance product)
Winner
2018 Start up of the Year
Winner
2018 Responsible Business of the Year
Winner
2018 Positive Social Impact Award
Winner
2018 Most Socially Responsible Company of the Year
Winner
2018 Loan Provider of the Year
Highly Commended
2018 Best Fintech Health & Wellbeing Innovation
Winner
2018 Best Financial Wellbeing Strategy (Hays)
Winner
2018 Benefits Innovation of the Year (Save product)
Winner
2018 B2B Business of the Year
Winner
2018 Alternative Consumer Lender of the Year
Winner
2017 Loan Provider of the Year
Highly Commended
2016 Innovation in Lending