AdornPay

I know the area well and this does what it's supposed to. The rate was higher than some of the big names I checked, which I wasn't thrilled about. The website feels a bit clunky next to the newer apps and I had to ring once to confirm a payment date. Money arrived when promised and the repayments have been fine.

To be fair the loan itself was fine once it came through, but getting there was a slog. The online form kept timing out and I had to start again twice. When I rang to ask about it, I waited on hold for nearly forty minutes and the person I spoke to had to check with someone else before answering. Money did arrive in the end but I wouldn't rush to go back.

Honestly my bank took about two weeks to say yes to a small loan and these lot had an answer in minutes. Money hit my account the next morning. Only thing is the interest is a bit higher than I'd hoped but it's fine for what I needed.

I needed a loan to cover a dental bill I wasn't expecting and didn't want to wait ages. I compared a few lenders first and the rate here was a bit higher than one of the big banks, but the application was quick and I knew where I stood within the hour. Money landed the next working day. The only niggle was the app kept logging me out during the ID upload, so I had to start again twice.

Applied on my phone during my lunch break and the money was in my account before I'd even finished my sandwich. Repayments come out on the right day every month and the app shows exactly what's left. Quick, simple, does the job.

Took out a personal loan with them about four years ago to sort out my car finance and I've been paying it back ever since. Monthly payments come out on the same date each month and the online account shows the balance clearly. Never had a problem.

Compared to going into a branch this was miles quicker, I did the whole thing from the sofa. Needed a bit more paperwork than I expected, they wanted my last three payslips and I had to dig them out. Otherwise the money came through and the repayments are easy to track.

Checked my options and this one let me see if I'd qualify without a hard search which was the deciding bit for me. Once I applied the decision came through the same afternoon. Customer support answered my question about early repayment within a few hours too.

Got the card about a year ago and asked for a limit increase through the app. Done in a few minutes, no phone call. Used it for the car insurance and paying it off in full each month. Works for me.

Our boiler packed in over the winter and we needed to pay the engineer before he'd even come out, so a quick decision mattered more than the rate. I've used a few lenders before and the checks here were the least intrusive. The application took maybe ten minutes on my phone and the funds landed the same afternoon.