Salad Money

Mersey Care is continuing its links to Salad Money, an organisation which offers small affordable loans to those with impaired credit scores.

Salad Money offers Mersey Care staff loans of up to £1,000 over 12-18 months. The partnership we have with Salad Money enables you to get their lower rate of 39.9% APR and repayments can be deducted directly from your salary, this means you don’t have to worry about a thing in terms of repayments because it’s all taken care of ahead of your pay day.

The added benefit in our partnership with Salad Money is that they don’t use credit scores in their affordability assessments and borrowing from them has no impact on it whatsoever. By using Open Banking instead of credit score they can make a more accurate assessment of your finances and suitability for a loan, giving you access to credit you may previously have been excluded from. So, if you need a little helping hand financially, please visit

Mersey Care recognise that all staff may not meet the desired criteria to be accepted for a Salad Money Loan. Mersey Care's wellbeing team  want to make sure that colleagues get the appropriate advice and support they need to support their financial wellbeing and have therefore commissioned the Citizens Advice Liverpool to speak directly with staff to offer support with their Financial situation. If you feel you would benefit with speaking with someone, you can book an appointment here.

Salad Money Mind

In their latest project, Salad are calling on “savvy spenders”. You can find out how with Salad Money Mind. Salad Money Mind uses Open Banking data to analyse your spending habits, anonymously compare them with your colleagues in a similar pay band, assess whether you are claiming all the benefits you are entitled to and helps you identify avenues to resolving unaffordable borrowing. All this helps you to move further into financial resilience. Did you know in the UK every year more than £16bn worth of benefits go unclaimed? Make sure you’re getting yours, with


NHS Credit Union

The NHS Credit Union offers affordable savings and ethical loans for NHS staff and their families, across Scotland and the North of England. It is a not-for-profit organisation.

The NHS Credit Union is your staff owned credit union, 26 years old, they are a not-for-profit financial cooperative, set up to combat unethical lending, and encourage a savings culture among the NHS workforce and their families.