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 have been using salary finance for time I haven’t had no problems 100 percent happy ”
Nezire Aricioglu
“SF made me believe in online business. It didny take long for me to get aproved for what i have asked for. They did a marvelous job even during a time when most organizations are in the snail-mode, be...”
Terrence Chabulika
“Very helpful customer service and a quick and easy application ”
Scott Francis
“Fast and efficient , but I think having twice a month access to advance would be better. ”
Christine
“I was very apprehensive of using salary finance, as I had never used it before. However it was easy to set up an account and the website is easy to use, so that made it a lot less complicated.”
Jacqueline
“Salary Finance has been a great service, and they understandably explain things. They do not let you get silly with taking out loans to earn revenue on interest; they are a very responsible lender and...”
Sarah
“Absolutely magnificent 👌. Prompt and quality customer service.
Very great Turn Around Time.
Very competitive APR. I'll say the best or one of the best APR on the market.
I'll refer customers to ...”
Jephtah Attoh
“Salary finance is amazing so easy to apply and money is in your bank the same day questions are fair and easy to answer help me out so much highly recommended ”
CharmainePatton
“Very easy process and great customer support service for any issues would highly recommend ”
The Mighty dutch
“It's soo easy to use, and the questions are nesscessary and straight forward with being long winded ”
Kayleigh Madden
“Great tool for businesses and employees alike, a very simple interface and easy navigation tools incorporating a very user friendly experience for all. ”
Dean Fraser
“The whole experience was excellent its great that theres money where you need it when you need it . J.rutter”
John
“This is the quickest and easiest way to receive a loan, it is very congruent with the modern times and is highly efficient. I would highly recommend.”
Bobby Wheeler
“Salary finance is the best way to borrow money without any extra fees which for the past we suffered from shark loans.You are the best keep up the good works.”
Gerald Mbonjani
“Reliable service with all steps fully explained. ”
Katie
“Five stars!”
Krzysztof S.
“So easy to complete online loan request
All completed in around 10mins. This has helped me hugely as i’m the main earner for family so this has been greatly helpful for life’s little hiccups that...”
Alison Wiltshire
“I have had a brilliant experience with salary finance ”
Aaron Schulp
“Quick service”
Sarah Morgan
“It’s there when you need it ! Very quick transfer no problem with paper work all online! Thank you for being there when i needed! ”
Maja Shrimpton
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