Salad: most-reported complaints
Automated analysis of 488 public Trustpilot reviews published 2026-03-16 to 2026-09-20. TrustScore 4.9 from 16,901 total reviews — see the Trustpilot page. Quick answer: is Salad legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that the company requests extensive personal and income details before processing credit checks, accounting for 42% of the 53 complaints identified. Support issues are also common, with 19% of complaints citing unreachable customer service and 17% describing unhelpful responses that fail to fully investigate concerns. Additionally, 11% of complaints mention problems with the company's system or app. The trend for data access complaints is rising, while support-related issues are either falling or flat.
How to reach Salad
These are the contact details Salad publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone 0203 092 0896, email [email protected], address 49 Greek Street, London, W1D 4EG, GB.
The company claimed its Trustpilot profile on 2020-06-02, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-21. Trustpilot ranks it 17 of 168 in Non-Bank Financial Service. We last checked this profile on 2026-09-23 and found 21 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: SALAD HOLDINGS LIMITED (no. 10988702), active, incorporated 2017 (8.9 years); next accounts due 2026-09-30, last accounts filed 2025-09-17, 2 registered charges. 5 current officers (9 on record historically), 1 resignation in the last 24 months; 5 filings in the last 12 months (39 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Forum footprint: 5 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Salad money court threat.”, “Waiting on Standing Order Details”, “A few specific questions”.
TrustScore over time
4.9 → 4.9 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (89%, 1.7d) · 2026-08-15 (89%, 1.7d) · 2026-08-18 (88%, 1.7d) · 2026-08-21 (90%, 1.8d) · 2026-08-24 (89%, 1.8d) · 2026-08-27 (90%, 1.8d) · 2026-09-01 (90%, 1.8d) · 2026-09-04 (90%, 1.8d) · 2026-09-07 (90%, 1.8d) · 2026-09-11 (90%, 1.8d) · 2026-09-14 (90%, 1.8d) · 2026-09-17 (89%, 1.8d) · 2026-09-20 (88%, 1.8d) · 2026-09-23 (89%, 1.9d).
Severity: 11% of this company’s 53 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In April 2025, 90% of 10 one-to-three-star reviews were 1★; in July 2026, 80% of 15.
Counted from April 2025 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 0.8 days between the experience and publishing their negative review (273 reviews record both dates).
Ombudsman outcomes
The Financial Ombudsman Service has published 17 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2023-02-04 to 2026-07-29, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
Measured reply time: across 217 negative reviews that received a public reply, the median wait was 0.9 days — the company profile reports an average of 2 days.
Reply quality: of 217 company replies to negative reviews analysed, 22% engaged with the specific problem and 15% were generic templates.
Review provenance: 439 company-invited reviews in the recent window average 4.96★, while 27 organic (uninvited) reviews average 2.00★.
15% of its 430 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: other makes up 42% of this company’s complaints vs a 20% median across 148 ranked companies in its sector.
Review velocity: 3,332 of this company’s 16,901 Trustpilot reviews (20%) were written in the last 12 months.
What are the most common complaints about Salad?
Other
22 reports · 42% of complaintsrising since 2026-08“Company wants access to everything, proof of income and all my details before actually processing a credit check.”
The company replied on 2026-07-24: “Hi Chris, Sorry we were unable to approve you for a loan this time around. As you will now know we use Open Banking in our affordability assessment which enables us to look at things like missed…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“because I’ve got more than two loan repayments they won’t proceed with my application”
The company replied on 2026-07-09: “Hi Andrew, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use open banking, not credit scores, in our affordability process, which looks at…”
Our classifier read this reply as a substantive response.
1 reader marked this review helpful on Trustpilot.
“Not even giving people a chance to improve there credit score absolutely charlatan of a company.”
The company replied on 2026-05-11: “Hi Darren, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use Open Banking, not credit scores, in our affordability process, which looks at…”
Our classifier read this reply as a deflection.
Support unreachable
10 reports · 19% of complaintsfalling“customer service is not existing, I wrote to them a couple of times about this and never heard back”
The company replied on 2026-07-24: “Hi Patryk, We are sorry we were unable to approve you for one of our loans this time around. Unfortunately your banking provider Revolut does not support VRP payments, which is the repayment method…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“Awful customer service they dont respond atall”
The company replied on 2026-06-23: “Hi Sam, We are sorry we were unable to approve you for one of our loans this time around. As you may now be aware we use Open Banking, not credit scores, in our affordability process. Which looks at…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“They do not reply to emails”
Support unhelpful
9 reports · 17% of complaintssteady“I raised a complaint which wasn't even fully investigated and didn't look at the issues I've raised. It was solely a fob off response”
The company replied on 2026-05-21: “Hi Mr Hunter, I can see that you have been in contact with our customer service team about your application. Unfortunately our communication methods within an application journey are through SMS with…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“They then issued a default notice giving me only two weeks to act”
The company replied on 2026-09-07: “Hi Dan, Thank you for taking the time to share your feedback. We take concerns around responsible lending, data protection and customer communications very seriously, and investigate any complaints…”
Our classifier read this reply as a deflection.
“Told me you'll sell the alleged debt however then passed it onto the powerless puppies known as Bwlegal”
The company replied on 2026-07-28: “Hi Rachel, Thank you for taking the time to leave your feedback. We take our regulatory obligations, data protection responsibilities, and customer communications very seriously. Where a customer…”
Our classifier read this reply as a deflection.
Account/app problems
6 reports · 11% of complaintssteady“the system used is not fit for purpose”
The company replied on 2026-09-21: “Hi Kieran, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use Open Banking, not credit scores, in our affordability process, which looks at…”
Our classifier read this reply as a substantive response.
“the computer said no and it can add”
The company replied on 2026-09-21: “Hi Richard, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use Open Banking, not credit scores, in our affordability process, which looks at income,…”
Our classifier read this reply as a substantive response.
“Then it wouldn’t let me add the information manually . I tried restarting the process twice then gave up.”
The company replied on 2026-07-14: “Hi Jonathan, Please contact our customer service team at https://www.saladmoney.co.uk/help-centre/how-can-we-help or [email protected]. They will be able to assist you with your account and…”
Our classifier read this reply as a template response.
Billing errors
4 reports · 8% of complaintsrising since 2026-08“have 6 full month salary from sale employer over 2k and say didn't see joke”
The company replied on 2026-04-28: “Hi Jacek, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use Open Banking, not credit scores, in our affordability process, which looks at income…”
Our classifier read this reply as a substantive response.
“their system cannot even locate the money even if i am getting paid more than their requirement”
The company replied on 2026-09-16: “Hi Darshan, We are sorry we were unable to approve you for one of our loans this time around. As you know, we use Open Banking in our affordability process, which allows us to ensure loan…”
Our classifier read this reply as a deflection.
“Give the pay date but u want to take it out early y”
Aggressive collections
4 reports · 8% of complaintssteady“I raised a complaint which wasn't even fully investigated and didn't look at the issues I've raised. It was solely a fob off response”
The company replied on 2026-05-21: “Hi Mr Hunter, I can see that you have been in contact with our customer service team about your application. Unfortunately our communication methods within an application journey are through SMS with…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“They then issued a default notice giving me only two weeks to act”
The company replied on 2026-09-07: “Hi Dan, Thank you for taking the time to share your feedback. We take concerns around responsible lending, data protection and customer communications very seriously, and investigate any complaints…”
Our classifier read this reply as a deflection.
“Told me you'll sell the alleged debt however then passed it onto the powerless puppies known as Bwlegal”
The company replied on 2026-07-28: “Hi Rachel, Thank you for taking the time to leave your feedback. We take our regulatory obligations, data protection responsibilities, and customer communications very seriously. Where a customer…”
Our classifier read this reply as a deflection.
Compare Salad with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-20.