Salad Money Impact Report 22-23 WEB - Flipbook - Page 20
PEOPLE ARE QUICK
TO JUDGE BUT KEY
WORKERS LIKE ME
WOULDN’T BE LOOKING
FOR A LOAN UNLESS
WE REALLY NEEDED IT
“Life is expensive,” says mum-of-two Laura, 38, of Swansea,
Assistant Service Manager of a supported living service. “And
people seem to forget that key workers like me wouldn’t be looking
for a loan unless we really needed it.
“They are quick to judge, and quick
to charge us a lot of money for a
loan even though we can be on
some of the lowest incomes.”
Laura is the Assistant Service
Manager of a supported living
service for adults with learning
disabilities. It’s a rewarding job and
“I’m in a much better place than I
was last year.”
When she approached Salad Money
in June 2022, “I was working two
part-time jobs to make ends meet,
as a Teaching Assistant (TA) in a
local primary school and a part
time support worker. Together they
brought in about £1400 per month,
so it was really tough with several
mouths to feed and the cost of
everything going up.”
20
Knowing she needed a lump sum
to spread some expenses over
a few months, Laura considered
credit – but was worried. “I’ve not
got a perfect credit score,” she says
“and have had quite a few really bad
experiences in the past with some of
the companies out there. Taking out
a loan was my last resort.”
She came across Salad Money
through a Google search and applied
online for an amount she knew she
could a昀昀ord. “I hadn’t even heard of
them before! It was pretty easy to
apply and I was happy to let them
see my bank account so they could
tell whether or not I could a昀昀ord the
repayments,” she adds. “Then they
let me know I could get the loan and
I was over the moon.”
“I’ve nearly paid it o昀昀 now and
I’m much better o昀昀 because I
managed to get a promotion last
year. But Salad was an absolute
godsend for me and my family
when I needed it! It is so refreshing
that they understand real life
and treat customers as people
rather than just a number. For
key workers especially, we usually
work full time and have the least
amount of income so it is nice to be
understood. I am so glad that I came
across them.”
Fair Lending for Key Workers
