Research

Reports into credit, household debt, the industry and regulation financial exclusion and inclusion.

21 May 2024: Responsible Finance’s 2024 Impact Report, demonstrating why improving access to finance remains vital.

27 April, 2023: UK public think credit scores unfair as organisations call for reform of credit information market

Seven out of ten (70%) of UK adults believe it’s unfair for someone’s postcode or location to have a negative impact on a credit score.

Less than one in six (15%) of adults think that a low credit score should result in higher interest payments for credit, and more than half (55%) of adults think it’s unfair that not having an existing credit history has a negative impact on a credit score.

The research of 2,000 UK adults by Opinium Research came as a coalition of social purpose lenders (including Salad Money) highlighted how flaws in credit scoring and the traditional credit information market contribute to the "poverty premium," result in poor outcomes for consumers, and harm access to affordable credit. More details.

19 September 2022: Independent analysis by The Credit Research Centre at the University of Edinburgh Business School into the anonymised open banking data of people who have applied for a loan from Salad Money offers unique insights into the financial lives and behaviour of key workers.

• 2022’s report, for which the University analysed nearly 174 million bank transactions of 104,661 applicants

• 2021’s report.