Yes, with Salad, you can get a loan, even with a credit score of 600 or lower. We don’t base decisions on your credit score. Instead, we assess your affordability through Open Banking.
600 Credit Score Loans
Looking for 600 Credit Score Loans?
- Quick Approval Process
- No Credit Score Checks
- Hassle-Free Application Process
- No Early Repayment Fees
- No Hidden Fees
- Manageable Repayment Terms
- Reliable Customer Support
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What People Say About Us
Reasons To Choose a 600 Credit Score Loan
Is your credit score around 600? Are you finding it harder to get approved for loans with a 600 credit score through traditional lenders? We may be able to help.
Despite being close to what's often considered a “fair” rating, many banks and payday lenders still see a credit score of 600 as risky. However, at Salad, we believe your credit history shouldn’t define your financial future.
That’s why we offer loans specifically tailored for people with low credit scores, including those with a score of 600 or less. At Salad, we don’t rely on credit checks. Instead, we use Open Banking to understand your current financial situation and assess what you can actually afford.
Whether you need a small 600 credit score loan to manage an unexpected expense or want to take control of your budget, we’re here to offer fair, transparent, and affordable direct loans, without judgment or hidden costs.
Apply for our loans for credit under 600 today.
What Are 600 Credit Score Loans?
In the UK, a fair credit score generally falls between 721 and 880, as defined by Experian. However, the score ranges can vary between credit reference agencies (CRAs).
While a 600 credit score falls below what's considered “fair” and into the “poor” category by most UK lenders, it’s not the lowest score possible. That said, many mainstream banks and high street lenders still view it as too risky, often leading to rejected applications or loans with high interest rates.
At Salad, our loans are designed for people who may not qualify for traditional credit, because of a poor credit score, but are still capable of repaying a loan responsibly. We don’t check your credit score. Instead of judging you on your past mistakes, we look at your current finances using Open Banking to determine your real affordability.
This approach allows us to offer fairer access to credit for people with scores around or under 600. We can give you the support you need without the stress of judgment or rigid score requirements.
To find the best loans for 600 credit scores, explore our options.
How Our 600 Credit Score Loans Work
At Salad, we make borrowing straightforward, especially for those with lower credit scores. We believe your credit score shouldn’t be the only thing that defines your financial options.
The Eligibility Criteria
To apply for our loans for a 600 credit score, you need to:
- Be at least 18 years old
- Be a UK resident
- Have a UK bank account
- Be employed by your current organisation for at least six months
- Earn a minimum monthly income of at least £1,500 after taxes
- Receive your salary through PAYE (Pay As You Earn)
- Be willing to share your financial data securely via Open Banking
If you meet these criteria, you could be eligible, even for loans for credit under 600.
How To Apply for our 600 Credit Score Loans
Here’s how it works:
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1) Apply Online
To apply, you’ll need to fill out a quick application on our website, providing personal and employment details to prove your eligibility. It’ll take just a few minutes and won’t affect your credit score.
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2) Share Your Financial Data
We don’t run traditional credit checks. That’s why we’ll need your permission to assess your income, spending, and financial commitments through Open Banking technology. This lets us see what you can genuinely afford to repay, rather than judging you on a historical credit file.
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3) Get a Fast Decision
Our team often reviews applications on the same day. If approved, you’ll receive our loan terms, and once you accept, the money will be transferred quickly, usually within 2 hours
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4) Fixed Repayments
You can borrow up to £2,000 with fixed repayments over 24 months. There are no hidden fees, and our interest rate is clearly displayed up front. Repayments are taken via direct debit or variable recurring payment (VRP), so everything stays simple and predictable.
We’re here to support hard-working people who might not meet the rigid standards of mainstream lenders. If you need access to fair, responsible loans for a 600 credit score, Salad is on your side.
The Pros and Cons of 600 Credit Score Loans
Taking out a loan with a 600 credit score comes with both benefits and considerations. At Salad, we aim to be transparent so you can make the best decision for your circumstances.
Pros:
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Accessible: We use Open Banking instead of checking your credit score, so our 600 credit score loans are ideal for those who may be declined by traditional lenders.
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Fixed Repayments: Our loans for credit under 600 come with predictable monthly payments to help with your budgeting. There are also no hidden fees and no charges for early repayments.
Cons:
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Limited Amounts: The borrowing limit of our loans for credit under 600 starts at £300 and is capped at £2,000, which may not suit larger needs.
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Open Banking Required: You need to consent to securely share your financial data with us through Open Banking technology. This is essential, as we don’t check credit scores.
Our best loans for 600 credit scores offer a responsible borrowing route for many, but it's important to borrow only what you can afford to repay.
FAQs About 600 Credit Score Loans
Got questions? We’ve answered some of the most common ones below to help you feel confident about borrowing with Salad.
No, we don’t run a hard credit check, so your credit score won’t be impacted by applying.
Our 600 credit score loans range from repayment over 6 months for our lower loan sizes, up to 24 months for our £2000 loan product.
No. We’re transparent about costs - no setup fees, no surprise charges, and no early repayment fees.
Yes, we specialise in helping people with low credit scores access fair and affordable credit.
Still have questions? Our friendly support team is here to help guide you through the process.
Why Choose Salad for 600 Credit Score Loans?
At Salad, we believe your credit score shouldn’t define your financial future. That’s why we offer fair, transparent loans for people with scores as low as 600 or even lower.
Unlike traditional lenders, we don’t rely on outdated credit checks. Instead, we use Open Banking to understand your real-time financial situation and assess what you can realistically afford to borrow.
Our process is simple, quick, and fully online, with no hidden fees or confusing terms. We’re also regulated by the Financial Conduct Authority (FCA), so you can trust us to treat you fairly and ethically.
We’ve helped thousands of employed people across the UK who were overlooked by high street banks. If you're looking for a responsible lender who sees beyond your credit score, we’re here to support you with affordable credit.
Apply for your direct loan, even if your credit score is under 600, today.
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