Create your loan

Monthly repayment
Total repayable
Repaid over

Example is indicative of repayments starting on the

Signed agreements are usually paid out within 3 hours.

Representative Example
Loan repayable over 18 Months
17 Months at
Final payment
Rate of interest
59.97% p.a. (fixed)
79.5% APR
Total amount repayable

Bad Credit Payday Loan Alternatives

  • Forget payday loans - choose ethical, credit-friendly alternatives to bad credit payday loans, even with a low credit score
  • Easy approval
  • More Than Your Score loans with no credit checks
  • Speedy funding
  • Transparent and simple application process
  • No hidden fees
  • Reliable customer support

Are you struggling with a sudden financial emergency and tired of payday loans? Are you having trouble finding an alternative to payday loans for bad credit? Don’t worry, you’re not alone.

Millions of people in the UK are currently facing similar financial difficulties. At Salad Money, we realise that everyone requires assistance from time to time. That’s where our More Than Your Score Loans come in.

As a leading poor credit score lender in the UK, we understand the struggles of bad credit and how it can prevent a person from seeking crucial support in trying times. That’s why, our alternatives to bad credit payday loans are designed to help you get out of a difficult financial situation.

Providing a convenient and easy way to deal with immediate liquidity issues, our loans offer the support you deserve, even if you have bad credit. With a simple loan application process, no credit checks, flexible repayment options and competitive interest rates, we have everything you need and more.

Regardless of whether it is an unexpected expense that’s left you struggling to make ends meet or a financial emergency, you can rest assured that we are here to help.

Learn more about our bad credit payday loan alternatives here or start your application now!

Man looking at screen

Key Facts

  • Salad Money is authorised and regulated by the FCA.
  • Only you can choose to share your data (you’ll be taken to your banking provider's site during the application process).
  • You can stop sharing your data at any time.
  • Open Banking is an FCA-regulated process.
  • Your banking data is protected in the same way as it is when you use your Internet banking.

What Even Is Bad Credit?

Most commonly used to describe a poor credit history, the term bad credit usually indicates a greater risk on the lender’s end during the borrowing process. The term is casually used in the industry to classify people into groups of lower creditworthiness. This stems from a system called the credit score system, which is used by several lenders as a metric that helps them decide the risk involved in a particular loan.

At Salad Money, we think that this system is unfair.

We realise that life can be unpredictable and adversity can hit anyone at any time. That’s why, while offering you our More Than Your Score loans we don’t consider your credit score. Instead, we take various influencing factors into account to get the most accurate description of your loan affordability. Committed to helping you deal with the drawbacks of bad credit head-on and rebuilding your credit history?...we’ve got you covered.

Your credit score is calculated by companies based on your credit history, defaults, outstanding debts, and other factors. If it has been observed from your credit history that you have defaulted on loans, making late payments, etc, you may have a low credit score. This will likely affect your ability to get approved for loans and credit cards in the future.

However, the truth is that when it comes to evaluating a person’s creditworthiness, different companies do it using different methods. This means that while your credit history might be bad for some lenders when assessed from a different point of view, it may be good.

That’s where Salad Money comes in.

Specialising in offering More Than Your Score, fair and affordable loans to people with low credit scores, we use a unique affordability assessment method that is an alternative to credit scoring. This allows us to offer you funds, even when you’ve been turned down by traditional lenders.

Our More Than Your Score Loan was created to make lending fair to borrowers, allowing you to get the crucial support you need, when you need it.

What Are Bad Credit Payday Loan Alternatives?

Bad credit payday loans are most commonly associated with predatory lenders and come with incredibly high interest rates. However, at Salad Money, we are dedicated to helping more and more people manage their finances effectively and escape the cycle of debt.

That’s why, our alternatives to bad credit payday loans are created to offer support to individuals struggling with a bad credit history. Most commonly used to deal with sudden financial emergencies, these loans provide quick and easy financing to people who are denied credit by traditional lenders.

When it comes to bad credit payday loans, these loans offer smaller amounts of quick money for a comparatively shorter period of time, usually until the borrower’s upcoming payday.

However, with our alternatives to bad credit payday loans, we give you complete control over your loan. By allowing you to comfortably repay over a period of 12 to 18 months, our loans are flexible, fair and affordable.

Man looks at finance spreadsheet
Man and Women smilling

How Can a Bad Credit Payday Loan Alternative Help Me?

Providing you with urgent cash to deal with unexpected expenses like car repairs or unexpected bills, our alternatives to bad credit payday loans help ease your personal cash flow issues. When used effectively, these loans can also help you rebuild your credit and get your finances back under control.

How Can I Improve My Credit Score?

Your credit score can be an important aspect of your financial identity. Regardless of whether you still manage to get credit with a bad credit score, trying to improve it can only be beneficial.

However, millions struggle with their credit scores and fail to find the right ways to improve it. Although it can take time, there are a few actions you can take to make it better. Let us explore some tips to improve your credit score.

  1. Pay your bills on time:

    Late payments can have a drastically negative impact on your credit score. That’s why ensuring you keep on top of your monthly loan repayments is extremely beneficial to your credit score.

  2. Pay off outstanding debt:

    By slowly paying off your outstanding debts, you can effectively improve your credit score. Try starting with smaller loans to close loans faster.

  3. Assess Your Credit Report:

    Regularly assessing your credit report is an essential practice everyone should follow. This is important because possible errors in your credit report can affect your credit score without any fault of your own. By regularly reviewing your report and reporting the errors to the credit bureau, you can ensure that your credit report is always accurate.


Benefits of a Bad Credit Payday Loan Alternative

Dedicated to providing you with fair and affordable credit when you need it the most, our bad credit payday loan alternatives can be extremely beneficial in times of distress. However, other than helping you manage your expenses efficiently, our alternatives to payday loans for bad credit also offer you a wide range of benefits. Let us discuss some of these benefits here:

Women using mobile phone
  1. Quick and Easy Process:

    Unlike most traditional loans, Salad Money’s direct lender bad credit payday loan alternatives are much quicker and easier. From a smooth application process to a speedy fund transfer, these loans are especially beneficial when you are dealing with time-sensitive money issues. With a simple online application, funds can be transferred into your account within 4 hours.

  2. Flexibility:

    Our bad credit payday loan alternatives often come with greater flexibility in terms of loan repayment, with repayment terms over a longer period of 12 to 18 months.

  3. Fast Cash:

    One of the biggest motives for taking an urgent low credit loan is dealing with an emergency, and we realise that. That’s why, our team is dedicated to providing you with the support you need in as little as 4 hours.

  4. Improves Your Credit Score:

    Unlike the myth that bad credit loan alternatives are bad for your credit score, the truth is completely the opposite. Not only do our loans, when repaid successfully, not affect your credit score, but they can also help improve it. By working with an FCA-regulated lender, you can rest assured that your credit score is protected and safe.

  5. Convenient:

    When it comes to applying for payday loan alternatives with a bad credit score, we realise how stressful it can be. That’s why we offer convenience and comfort with our simple online application process. Taking the stress out of the loan application process, we offer you hassle-free alternatives to payday loans for bad credit.

Frequently Asked Questions on Bad Credit Payday Loans

Yes, there are several direct lenders across the UK that offer bad credit payday loans.

However, if you are looking for a more reliable option, we recommend looking at alternatives by lenders like Salad Money.

Offering financial relief to individuals with a history of bad credit, our loan alternatives for people with bad credit are designed to give you the support you need, when you need it.

While most bad credit payday loans usually require a basic credit check, our More Than Your Score loans are based on affordability factors and not just your credit score.

Salad Money offers loans of between £500 and £1,000 when you need it most

At Salad Money, our loans can be repaid over either 12 or 18 months - whichever suits you best. You can also repay your loan early. Compared to typical bad credit loans that often demand payment in 24 to 30 days, Salad Money offers the opportunity to get back on your feet in the long term.

Once you pass all the eligibility criteria, you can receive the funds within 4 hours after your application is approved.

These loans aren’t typically created to help you improve your credit score. However, making timely payments and repaying the loan completely on the due date can help your credit score. On the other hand, you need to ensure that you are only taking up a loan that you can repay. This is because being unable to repay the loan in time can have a negative impact on your credit score.

Why Choose Salad Money?

When it comes to taking a payday loan alternative, it is crucial that you choose a reputable and reliable lender. This is especially important if you have bad credit. That’s why, we are here to tell you why choosing Salad Money as your direct lender for bad credit payday loan alternatives may be the right thing for you.

As one of the fairest lenders in the UK, with over 7,000 5* reviews on Trustpilot (June 2024), we make fair and affordable credit available, even if you have a bad credit score. That’s why with our More Than Your Score loans, we’re here to provide the support you need when you need it most.

At Salad Money, we understand that life is filled with ups and downs and your credit score isn’t the only way to determine your financial situation. Therefore, our alternatives to payday loans do not rely on your credit score.

With our unique affordability assessment system, based on open banking software, we evaluate your loan affordability using a much broader range of factors. This allows us to offer you suitable alternatives to payday loans, regardless of credit score.

Our team makes your loan application process as smooth and hassle-free as possible. We believe in absolute honesty and transparency. That’s why we maintain open and transparent communication regarding all the terms and conditions of our loans.

As a reputable direct lender for bad credit payday loan alternatives, we adhere to all regulatory guidelines provided by the Financial Conduct Authority (FCA).

To learn more about our services, click here or get in touch with us now!

Salad Money are:
Also featured in: