I found Salad via internet search and was looking for a quick source of cash despite not having a particularly good credit score. Your slogan stood out to me. The money was for a vacation to visit home for the first time in 3 years after Covid. Work had arranged for me to have a month off and I wanted to clear my credit card before leaving.
Applying with Salad Money was the first time I had successfully borrowed - in the past I was rejected by NatWest and Barclays due to my low credit score. It's difficult when you are not a UK citizen to improve your credit score. I found the process very easy and straightforward, and I think your process is sensible as you look beyond credit scores to see who is capable to afford the loans. I was unsure about Open Banking but checked Trust Pilot before proceeding with my application.