95%Would buy again
Honestly the best bit is that it pulls transactions from all three of my accounts into one view, which is what I wanted. I've used a couple of budgeting apps over the years and this one categorises things more sensibly than most. Bills show up a few days before they come out so I'm not caught out, which saves me a lot of stress.
Read moreIts alright for day to day stuff. Had a payment bounce on me and it took the support chat a couple of days to actually reply, which was annoying when rent was due. Sorted in the end but I'd have liked it quicker.
Read moreCompared to my old bank app this is miles quicker to get a loan sorted, I applied on the bus and had an answer before I got off. Money landed the next working day. Only thing is you need your payslips uploaded as photos which was a faff on my phone but that's on me really.
Read moreThe early repayment option is handy and I used it after six months. Interest could be a touch lower for what it is, but I knew that going in. Money hit my account the same day I was approved.
Good for a quick loan, I'd use it again. Applied Tuesday evening, approved by the Wednesday morning and the cash was in my account before lunch. Interest is a bit higher than I'd like but the process itself was dead simple and I didn't have to ring anyone.
I used the small loan to clear an overdraft that was costing me a fortune, and it worked out cheaper than sticking with it. Got the money fast and the monthly payment fits my budget. The only niggle is they took a while to confirm my address, otherwise it did the job.
I found this a more affordable choice than the high street option I had been looking at, which I was grateful for. The application asked for more detail than I expected but the advisor who got back to me was courteous. The funds reached my account the following morning.
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Emma is a UK personal finance app that connects to a user's bank accounts and credit cards to show spending, bills and subscriptions in one place. It categorises transactions automatically and lets users set budgets, track savings goals and receive alerts when spending moves outside those limits. The app is designed for individuals who want a clearer picture of where their money goes without manually entering every payment.
Emma is delivered entirely through a mobile app for iOS and Android, with no physical branches or shops involved. Its features include a debt payoff planner, a view of upcoming direct debits and an overview of net worth across linked accounts.
