Because Salaryflex is based on having money automatically paid in directly from your Salary each month, there is a much lower risk of falling behind and getting into problems with debt. This means that in many cases, we can offer you an account, even if your credit history isn’t perfect.

One of the main things we check for when deciding whether to offer you an account is affordability. When you apply, we’ll ask you to provide evidence of your income (such as a payslip), so that we can double check that the monthly deduction leaves you with enough left over to meet all your other financial commitments. So, one of the best ways to be accepted is to only apply for an amount that you can realistically afford.