Once approved, Salad Money typically transfers funds for an emergency loan within 4 hours, so you’ll have quick access to the money you need.
Emergency Loans
Looking for Emergency Loans?
Representative Example

Emergency Loans
- FCA Regulated & Authorised
- No credit score checks
- Simple application process
- No early repayment penalties
- No hidden fees
- Flexible repayment terms
- Trustworthy customer support
What People Say About Us
Reasons To Choose Emergency Loans
Have you had an emergency bill or urgent expense come out of nowhere? Need an urgent solution to a financial emergency? If so, a Salad Money emergency loan may be the support you need.
As a leading emergency lender, we understand that financial emergencies can happen to anyone, when we least expect them, and they often require immediate action. That’s why our emergency loans are designed to provide fast, accessible funding when you need it most.
Our urgent loans, regardless of if you have bad credit, are for all public and private sector employees who want a fairer and more convenient alternative to traditional loans. Our application process is straightforward, with no credit score checks to assess your affordability, and you have the flexibility to choose repayment terms that work for you.
Unlike traditional lenders, Salad Money assesses eligibility based on your income and spending habits with the help of our Open Banking assessment system. This ensures a fair and transparent decision making process that isn’t influenced by your credit score. Because of this, we don’t run any hard credit checks, making it highly accessible, regardless of your credit score.
Our emergency loans range from £500 to £1,200, with flexible repayment terms, giving you up to 18 months to settle the loan. With our fair terms and fast approval, you can quickly cover your essential expenses without the stress of hidden fees or early repayment penalties.
Salad Money is committed to responsible lending, providing fair financial solutions that prioritise your individual needs. We’re here to help you make sure your financial emergencies don’t become bigger problems.
Apply for emergency cash loans today and receive the funds you need digitally within four hours of approval.
Want to learn more about how our emergency loans work? Get in touch now.
What Are Emergency Loans?
Emergency loans are small, short-term loans that can help you cover urgent, unexpected expenses when you need quick access to funds.
These loans are typically unsecured, meaning they don’t require collateral, and are available to borrowers who may face challenges with traditional credit checks. For example, if your car breaks down or there’s an unexpected household repair, an emergency loan can give you the necessary funds to manage these costs.
At Salad Money, our emergency loans are offered to most working professionals over 18, earning £1,500 or more per month. They offer a streamlined application process that doesn’t rely on traditional credit scores.
Instead, we use Open Banking technology to assess your income and spending patterns which gives us a fair and accurate understanding of your financial situation. This means that even if you have poor credit, you can access urgent loans from a direct lender quickly, even if you have bad credit. Typically, the money will be in your account within 4 hours of approval.
With loan amounts up to £1,200, our emergency loans are available to help you meet your immediate needs without the stress of hidden fees or penalties.
If you’re in need of quick financial assistance, our urgent loans for bad credit can be your safety net.

How Our Emergency Loans Work
As one of the leading online lenders in the UK, we understand how difficult and stressful it can be to apply for a loan and wait for approval. That’s why we’ve designed our emergency loans to be quick, simple, and supportive for people facing urgent expenses.
Looking to apply for urgent loans for bad credit from a direct lender like Salad Money? Let us walk you through the eligibility criteria and explain how our transparent lending process works.

Eligibility Criteria
To qualify for our emergency cash loans today, you need to:
- Be employed at any private or public organisation for at least six months.
- Be at least 18 years old.
- Earn a minimum monthly income of at least £1,500 after taxes.
- Receive salary payments into an accessible UK bank account.
How To Apply for an Emergency Loan
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1) Start the Applicationn
First, you’ll need to fill out our simple online application form. We only ask for essential information like your name, age, source of income, and employment status to assess your financial situation accurately. Unlike most lenders, we don’t rely on credit scores, which makes it easy for you to access our loans even with a poor score.
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2) Grant Open Banking Access
Instead of a credit score check, we use Open Banking technology, which allows us to view your real-time banking data securely. This FCA-regulated system will give us insights into your income and spending habits, enabling us to make a fair and responsible lending decision based on your financial behaviour, with no credit score check.
This Open Banking technology is safe and fully supported by all major UK banks, so you don’t need to worry about the security of your data when you give us access to your financial information.
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3) Review and Approval
Once you submit your application, a decision can usually be made within 10 minutes of applying. We’ll assess your income and expenses to ensure the emergency loan is affordable for you.
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4) Receive Your Funds
If your emergency loan is approved, funds will be transferred directly to your bank account, typically within 4 hours, allowing you to address your urgent expenses quickly.
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5) Flexible Repayment Options
You can also choose a repayment plan that fits your budget. There are no hidden fees or early repayment charges, making it easy to manage your loan responsibly.
The Pros and Cons of Emergency Loans
Most UK emergency loans offer different advantages and drawbacks, so it’s always important to weigh these factors before you borrow.
Advantages of Emergency Loans
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Fast Access to Funds: Our urgent bad credit loans are designed for quick approval, which means you’ll get access to the funds you need within 4 hours of approval.
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No Credit Score Impact: Salad Money’s emergency loans don’t rely on traditional credit score checks, so they’re accessible to people with low or limited credit histories regardless of credit score.
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Flexible Repayment Options: We offer repayment terms of up to 18 months, and there are no penalties for early repayment, allowing you to manage your loans responsibly.
Disdvantages of Emergency Loans
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Higher Interest Rates: Emergency loans generally carry higher interest rates than traditional cash loans, which can add to your cost, particularly if you’re on a tight budget.
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Restricted Eligibility: Salad Money’s loans are only available to people with a monthly income of £1,500 or more, which may limit access for others in need.
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Limited Loan Amounts: With a maximum lending amount of £1,200, these emergency loans may be insufficient for larger financial needs. If you’re considering applying for urgent loans from a direct lender, you need to approach them responsibly. Make sure that the loan is affordable and that you can repay it on time.
Frequently Asked Questions
No, Salad Money’s emergency loans don’t require a credit score check. Instead, we use Open Banking to evaluate your financial situation based on your income and spending habits, so your credit score doesn’t impact the application.
You can borrow up to £1,200 with our emergency loans today, which can be useful for covering various unexpected expenses, like emergency repairs.
No, Salad Money doesn’t charge any penalties for early repayment. In fact, paying off your loan ahead of schedule can save you on interest.
Our emergency loans for bad credit are specifically available to employees over 18, earning £1,500 or more per month and have been with their current employer for at least six months.
Yes, Open Banking is FCA-regulated, ensuring your data is securely shared only with trusted providers.
Why Choose Salad Money?
Are you struggling with your finances and need urgent loans for bad credit from a direct lender? We’re here to help.
Salad Money’s emergency loans come with a range of benefits that prioritise fairness, accessibility, and transparency. They’re tailored to fit the needs of working professionals who may not qualify for traditional credit due to poor credit scores.
One of the advantages of choosing our emergency loans is that we use Open Banking technology to assess your affordability. Unlike traditional lenders, we don’t rely on your credit score, meaning your application won’t be affected by it. Instead, we’ll securely review your income and spending patterns, so we can get a more accurate and fair assessment of your financial capacity.
We offer fast access to cash loans, with approvals typically within one business day and funds transferred within four hours after approval. This is ideal for covering unexpected expenses.
With flexible repayment terms of up to 18 months and no penalties for early repayment, our urgent loans for bad credit offer control and convenience, letting you manage repayment on your terms.
Our commitment to responsible lending and transparent pricing means you won’t face hidden fees, and support will always be available if you have questions or need assistance.
To learn more about our emergency loans, get in touch with us today.
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