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…
“Always approve my application ”
Vijay Kaadai
“Highly recommended has really come. In useful over the last few months. Only possible improvements is would be better if advance was available more then once in pay period. And if they took more into ...”
Teresa Tinney-hunt
“Very quick and efficient!”
Serap Halis
“Salary Finance is a fantastic service. It doesn't let you borrow too much and it is taken straight from your wages. I have used a few times now and have never had a negative experience. ”
Michael Butler
“Really easy to fill out all the required information and a very quick decision. Honestly had such a pleasant journey and don't have any bad words to say or things I'd improve. Overall, a very happy cu...”
Kyle Walker
“Response was quick as I got stuck while completing online application and the agent was on the phone while redoing the whole application . And I got accepted straightaway and money was in my account w...”
Ananta paul
“Always good ”
Chantal
“Really struggling the last few years and got to the point where I have too much debt but still needed some money to help me get through. I have used Salary Finance one time before and again it was sim...”
Mathew Pestel
“They made me stop borrowing from friends and family. It’s a life changing experience ”
Oluwabukola
“Tony was just great when I contacted SF about a query re a loan. He explained things to me via email in a clear and concise manner and answered all the questions and just put my mind at rest
Great s...”
Sandra Kelman
“Supe simple process ”
James M.
“Excellent service. Very quick response to questions. Happy to use salary finance through my employer. I haven’t had an problems at all.”
Dear Miss Wright
“Simple and quick service ”
Alan OConnor
“It's great knowing you have a back up when you end it most for a unexpected bill.”
Elaine Dunn
“Had no problems in 18 months money in account within the hour so straight forward would recommend”
Deb
“This was by far the easiest application I've ever used for a loan, after everything was signed i had the money within an hour. Brilliant ”
Darren
“Great service and easy to use site”
Tim
“Its a fantastic scheme to take out a loan through your employer its really handy for an unexpected bill etc and recived funds the same day and comes out of pay so no missing payments or having to budg...”
Gemma Goldielocks Osullivan
“Always there to help People...Salary Finance is great and low interest!very happy ”
Marco Lo
“I had issues creating an account and they could not have been more helpful, when the original issue was fixed the funds were in my bank in less than 10 mins, thank you :) ”
Sophie
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