Zapply

Before applying I checked three other lenders side by side. The detail that stood out was how clearly the interest and fees were shown on the offer page. The application itself was short and the decision was fast. The money landed on time and everything has run smoothly since.

Went with these after comparing three other lenders and the rates were the lowest by a fair margin. Form took about ten minutes and the money was in my account by lunchtime. Would use again.

Used them to get a loan for my new phone when my card was maxed out. Applied on the app late at night, got a yes in like ten minutes and the money was in my account the next morning. Repayments come out on the day they said, no faff at all. Would do it again.

What struck me most was how plainly the repayment schedule was laid out before I signed anything. I could see exactly what I'd pay each month and when the final payment fell due. Customer support answered my one question within the hour and was very civil about it. I'd happily go back to them.

Honestly the best loan experience I've had and I've borrowed from several places. The application was quick, the decision came back the same day, and the money was in my account before the end of the week. Repayments come out smoothly and I've never had a problem. Really pleased with how it all went.

I needed the funds to have the roof seen to before the autumn rains set in, and I was wary of borrowing at my age. The process was civil and clear, with each step explained before I committed. The money came through within a few working days. I'm content with the arrangement.

We needed the money quite urgently when our boiler packed in during the winter, and I was rather nervous about borrowing at my age. The application was straightforward enough and I had a decision the same afternoon, which I did appreciate. The funds reached our account the following morning. Repayments come out on the date I asked for, and the statements are clear and easy to follow, so I have no real complaints at all.

Straight to the point, the total I'd repay was the lowest I found and there were no hidden extras tacked on. Applied online in one sitting and the decision was back fast. Money arrived the next morning. Good value for what I needed.

Short on rent after a delayed payment from work, so I needed something quick. Applied on my phone during a lunch break and got a yes straight away. Cash landed the next working day. Interest is on the high side for what it is but it got me out of a hole.

I've taken out three top up loans with them over the years, the most recent one for a new car. This time the approval took much longer than before, nearly four days, and I had to resend a payslip twice. The money did arrive eventually but it was a bit of a faff.

I looked at a few lenders before settling on this one, and the fees were laid out more clearly than the others. The application took maybe fifteen minutes and the approval was quick. Repayments have gone out on the right date every month since.

What I liked most was being able to see the early repayment option clearly on the account page. I paid a chunk off early and the balance updated within a day. The only small niggle was that the confirmation email took a while to arrive.

This was my first loan so I was a bit nervous, but the form walked me through each question and the eligibility check was done quickly. The money was in my account two days after approval, which was a bit longer than I expected. The monthly payments come out on the right date and the app shows what's left to pay.

Compared to the loans I was shown on a comparison site, this came out a little cheaper on the total repayable. Applying was easy enough. The only thing that tripped me up was that I had to upload my bank statements as a PDF, which took a couple of tries. Otherwise I'm happy.

Compared to the loans on the comparison sites, this one came out cheaper on the total repayable once I'd factored in the fees, which surprised me a bit. I've been through a few of these before so I know what to look for. The application was straightforward, the eligibility check didn't leave a footprint I was worried about, and the offer came through the same day. The repayment dates are clear on the account page. Happy with it.

Compared with the loan I took out a few years back, the rate this time was clearly better, which was the first thing I noticed. The renewal process was far quicker than before and the online account is easier to use. Money went in within a day and I've had no issues with repayments since.

I have borrowed through them a few times now and it has always got the job done. This time it was slower than I'd have liked, the decision took the best part of two days and I had to phone to chase it up. Once approved the money came through, and the repayments have been fine since. Not the quickest, but reliable enough.

My bank quoted me noticeably more for a similar sized loan, so this was the first thing I checked. The total cost came out a fair bit lower once I added everything up. The only thing I'd flag is that the app is a bit slow to load on my older phone, but the actual application worked fine. Money came through in a day.

Needed a loan to cover the van repair so I could keep working. Applied from the site on my phone in the van, quick form. Got approved the same day and the money came through two days later. Happy enough with it.