Insights

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The Consequences of High Credit Usage

Using credit cards or loans can be incredibly helpful, as long as you manage them wisely. However, high credit usage can lead to serious financial problems.

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woman checking fair lending laws

6 Fair Lending Laws That Apply to All Lenders in the UK

When you borrow money in the UK, through a bank, credit union, or online lender, there are rules in place to protect you.

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man relaxing on sofa due to easy loan timeline

Your Salad Loan Timeline From Application to Money Received

Applying for a loan can feel confusing and overwhelming, especially when different lenders have different processes. However, with Salad, it’s transparent and stress-free.

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Initial Signs of a Risky Loan or Lender

From vague terms and high-pressure tactics, to unregulated lenders and bad reviews, this guide highlights the key warning signs of a risky loan.

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Man doing credit agreement

What is a Credit Agreement?

Credit agreements are part of everyday life for many people in the UK, from taking out loans and applying for credit cards to signing up for buy-now-pay-later services.

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Couple looking at open banking on laptop

Is Open Banking Secure and How Much Access Does It Provide?

Open Banking allows banks and financial apps to safely view and share your bank account information, and can only access what you give it permission to. Open Banking cannot move money.

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one income couple struggling with bills

The Struggles of Living on One Income

Living on just one income in the UK can be incredibly challenging, especially with the rising cost of living, energy bills, rent, and everyday essentials.

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woman on sofa with laptop credit check

How to Avoid Failing a Credit Check

When applying for a loan, credit card, phone contract, or to rent a home, there’s a good chance your credit score will be checked.

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man looking at lower energy bills

Why Energy Bills Might Not Drop Much Further and What to Do

Household energy bills across most of the UK (England, Scotland, and Wales), except Northern Ireland, have dropped to their lowest level in over two years, offering some much-needed relief to families

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Woman sitting on sofa in endless debt

Why Your Debt Feels Endless and What to Do

Do you feel like no matter how much you pay off, your debt will never go away? You’re not alone.

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Man on phone checking for affordable credit on sofa

Why Affordable Credit Is Essential in a Cost-of-Living Crisis

When prices go up but wages don’t keep pace, everyday life can quickly become a struggle.

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Woman smiling at phone after learning how to clear her loan faster

A Guide on How to Clear Your Loan Faster

Paying off a loan usually takes a long time and can be stressful. Whether it's a personal loan, student loan, car finance or mortgage,

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