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…
“Very understanding and all information that is needed is given very clearly.
Overall great service.”
Jonathan
“I joined about a year and a half ago and they have been really good . Whenever I have used them the money has been in my account within the hour normally . I have never had any issues . ”
Stephen Summers
“Really simple quick and easy highly recommended ”
Kelly Stokes
“So fast, easy to fill in and to see what you are doing.”
xXplaythegameXx
“I think the Advance form is great, it helps when you need extra cash, considering the cost of living these days, I've been working for Tesco for many years and I think it's the best benefit they offer...”
Krystian Stencel
“Very quick and helpful i was out of money to buy food for my 3 kids and a coworker tell's me about Salary Finance i applied the same day and i received the money even before i could get off the phone.”
Chereen Smith
“What a great service , it came in very handy to pay off a credit card rather than pay extortionate interest rates . I borrowed from salary finance . It's cheaper and better than having to pay out and ...”
Michael Brunelleschi
“Honestly i can’t thank Salary finance enough especially when someone has ran out of money and the efficiency to deliver the fund very quickly into bank account is outstanding thank you very very muc...”
benjamin okoye
“So handy money is in your account in minutes never had a problem ”
Emma Culley
“What a great service, never had an issue, this tool saved me few times. Just great!
Sérgio Siqueira Junior”
Sergio
“From month to month I can come up a little shoey with the world today.. they helped me keep on top of my bills be allowing me to access a little bit early 🙠”
John
“Great easy to use service acceptance level is great approved when not approved by other lenders.”
Jagon Stokes
“As an employee of St Mungo's, I believe Salary Finance provides a valuable solution for improving our financial wellness. One of its standout features is the ability for me to access my earned wages b...”
Uyi Edogiawerie
“I could not survive without Salary Finance Advance, it is a life line each month, and it is a helping hand when needed. ”
David
“Best option for emergency needs. Money in account in few seconds and no interest.”
Elena Ramona
“Easy fast and cheap couldn’t ask for better”
Lgardiner
“Easy and low cost. The only downside I feel is only able to advance once a month, so if you have taken a small amount and then need a bit more you are in trouble. If you're not careful this causes you...”
Alan Lees
“Offered to me through work to help me with debt consolidation and amazing service so far :) ”
K S
“They gave me a loan when needed the most so im very grateful!”
Quinn
“Excellent service they provide really helps me ”
Danielle Hall
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