I needed the loan as I’d got behind on my daughters nursery fees. If I wasn't accepted for a loan with Salad Money then I would have had to make a payment plan/arrangement to pay off my debts from the nursery fees. I thought the application was very easy and the open banking portion of the application was very quick. I didn't realise that my credit score wasn't altered by applying with you either, I was very impressed by this and it makes sense because something that might have happened years ago which negatively affected my finances shouldn't be looked at, as this isn't my current financial status. My credit score has improved since I applied. I also like getting the automated email letting me know my direct debit is due so I can make sure I have money in the account and my payments are manageable.