HeyCash

This is a solid choice if you need money fast and want the costs laid out. I was a first time borrower so was a bit anxious but the steps were clear and the money arrived as promised. The only thing I'd flag is that the interest is a little higher than some of the bigger high street options.

Honestly the whole thing was easy, applied on my phone at lunch and had the money by the evening. Repaying is just a direct debit so no faff. Would use again.

I needed to borrow to cover some wedding costs that came up at short notice. I compared a few lenders and this one had the best terms for what I wanted, with a quick application and easy online account. The money came through the day after I was approved and the first payment is set up automatically.

I took out a small loan last year to help pay for a second hand car. The money went into my account the next working day, which was fine. My only real complaint is that when I rang about changing my payment date it took three days and two calls before anyone sorted it.

Compared to the store credit card I was looking at, this loan came out a bit cheaper over the term, which was the main reason I went with it. The application was quick and approval came in the same day. My only gripe is the email reminders go out a day before payment, which is earlier than I'd like.

Having borrowed through a few lenders over the years I can say the terms here are laid out clearly and the rate sits where you'd expect for a loan this size. The account setup took longer than I'd like because they wanted a second proof of address. Once that was sorted, the money arrived the next morning.

I needed a short term loan to cover a deposit on a flat and didn't want to tie up savings. Having taken out several loans over the years I know what to look for, and the total repayable was shown up front with no hidden extras. Approval was fast and the funds cleared as promised.

Took out a loan to put a new boiler in and I have been with them a good few years now. The money came through fine and the monthly payments go out on time. The one thing I didn't like was the interest was higher than I expected when I first looked, so I felt a bit caught out.

I used a loan to buy a laptop for uni after my last one died. The application was done on my phone in the evening and the money was in my account by the next morning. Setting up the repayments was easy and I can see exactly what I still owe in the app.

I needed to borrow for my first car insurance payment and was nervous about taking out a loan. The application asked a lot of questions but explained why each one was needed, which helped. The money arrived the same day and the app made setting up my repayments simple. Glad I went with them for my first time.

Compared with the lender I had been using for years this one was quicker to set up and gave me a better monthly figure on the same amount. I have been a customer a long time now and the customer service has always been polite when I have rung. The only change I noticed was the statements now come by email rather than post, which took some getting used to, but everything else is as it should be.

Compared to a credit union loan this one came out noticeably more expensive over the same term, which I wasn't expecting. The application itself was simple enough and the money landed quickly. If you have time to wait for a credit union I would probably go that route, but it's a fair service for the speed you get here.

Compared to my bank overdraft this was a lot cheaper for borrowing the same amount over a few months. The application was quicker too, no going into branch and no waiting on a letter in the post. Only small thing is the first payment took a few days to show on my statement so I had to check twice.

My boiler packed in over a weekend and I needed £900 fast to get it fixed before the cold snap. I looked at a couple of other lenders first and HeyCash was the one that let me apply without a credit check showing up on my file. The paperwork was simple enough, though the verification call took a while to get through to a person, so there was a bit of waiting.

I went for a small loan to cover the deposit on a van for my business. I had compared a couple of other lenders and this one gave me the best rate for the amount, with no arrangement fee. Everything from applying to receiving the funds was done in one afternoon.

The figure they showed me up front was the one I actually paid, no extras added on later. I compared it against the other lender I use and it came out cheaper over the same term. Money came through the next working day.

The first thing I'd say is the rate is fair for the size of loan and the approval was quick. I have borrowed on a couple of occasions so I know the process well. The app is a bit slow to load the repayment schedule, which is annoying when you want to check something quickly.