homefi

The first thing I noticed when reading through the agreement was how plainly the charges were set out, which I always look for before signing anything. I used the loan to help fund a conservatory and the money was paid across within two working days of my signing. Monthly payments have been taken on the agreed date without any fuss. I'd have liked a phone number that answered quicker, but the written correspondence has been clear.

Did not go with them first. I checked three other lenders and their rates were a bit higher on paper. Once I got the offer it was fine but I was a bit annoyed the figure I was quoted at the start went up after the credit check, so it felt less clear than it should.

The soft search at the start was a nice touch because it didn't dent my credit file before I'd committed to anything. Lots of lenders do a hard check straight away. They showed me the eligibility outcome before asking for my documents, which saved me a pile of paperwork I'd have wasted. Repayment schedule is clear too, with the interest split out per instalment.

I used them to take over an existing personal loan from another provider, which I'd been paying too much interest on. The online form asked for my old lender's details and the transfer of the balance was handled by them, so I didn't have to chase anything. Clear statements and the monthly payment dropped noticeably.

We needed to refinance the car after the old deal ended and I'd been putting it off for months because I knew the paperwork would be a faff. Did the whole application on the site on a Tuesday evening, had an offer by Thursday morning, and the funds landed in our account the day after I signed. Clear about the total repayable, which is more than I'd like to see but at least nothing hidden.

I'd been quoted by my bank for a personal loan and they wanted me to book an appointment and bring three months of payslips in person. With this lender I did it all online in one sitting. The rate was a bit under what the bank offered on the same amount, and I didn't pay anything to set it up. Money arrived the next day and I've been paying it off by direct debit since without any trouble.

Went with them instead of asking the bank for a loan, because the bank's own app kept rejecting my application for no reason. This one asked about my income and outgoings, then gave me an answer straight away. Payment reached my account the next working day and the first repayment came out exactly on the date I picked.

We needed to get the roof on the back extension sorted after the damp got through, and the builder wanted paying in stages. I've used this lender a few times over the years and it's always been straightforward. This time the repayment date was a few days later than I'd set up, which took a phone call to sort out, but they were polite about it and fixed it that afternoon.

Compared to my bank's loan this was a bit more expensive, but the bank wanted me to come into a branch and I didn't have time. Application was fine on my laptop and the money came through quickly. Felt a bit pricey for what I borrowed.

Got a loan to buy a new laptop for uni and the process was dead easy on my phone. Money hit my account the next morning and the repayments come out automatically. Only thing is I had to upload my bank statements twice because the first upload didn't go through.

Looked at a few lenders before settling on them, mainly because the headline rate looked good. The final offer was noticeably higher once my credit score was checked properly, and the adviser on the phone seemed to be reading from a script when I asked why. Money did arrive, but it was three working days after I signed, which was longer than I'd been told. Customer service was polite enough but didn't really answer my questions.

Honestly one of the easiest loans I've done. Applied on my phone during my lunch break, had an answer before I'd finished my sandwich and the money landed the next working day. Didn't have to speak to anyone which suited me fine tbh.

Took out a loan to buy a second hand car from a dealer and they paid the dealer directly, which I was glad about. The paperwork was all done through email and the documents were clear. Repayments are set up by direct debit and they've been taken on the right day every month so far.

Compared to going through my high street bank, which made me sit in a branch for an hour and then said come back with more paperwork, this was far quicker. I did everything online, uploaded my payslips, and had a decision the same afternoon. Money came through two days later and I've not had any problems since.

I'd say the rate is competitive, and that was what decided it for me after comparing a few options. The application was thorough and I did find the questions a bit long, but I appreciated the care that went into it. The loan was approved within a day and the funds reached my account promptly. I'm not sure the early repayment terms are as clear as they could be, which is why I've knocked a point off.

I took out a personal loan to cover my first proper flat deposit and the thing I remember most is the affordability questions, which were a lot more detailed than I expected. Once I'd answered them the approval came through the same day and the money hit my account the next morning. Interest rate was fine. Only thing is the app is a bit clunky when you try to check your balance, but I got used to it.

The rate was lower than what my bank was offering on a similar loan, which is why I went with them in the first place. Paperwork was simple enough and the money arrived when they said it would. Slight niggle that the early repayment charge isn't mentioned until the end.

Needed a loan to cover the boiler replacement and I compared the total repayable across four lenders before choosing this one. It came out lowest by a fair bit once fees were included. I liked that the figure on the screen was the figure I actually paid, no surprises at the end. Setting it up took about ten minutes and the money was in my account the next morning.

We needed a loan to cover part of our wedding costs after the venue deposit came in higher than we'd budgeted for. Chose the fixed term option so we knew exactly what we'd pay each month. Process was quick and the adviser answered my questions without making me feel silly.