FTS Income

Been borrowing short term for years and this is one of the cleanest I've used. Total repayable is shown upfront, no sneaky add-ons, and the cash hit my account the same day I was approved.

Compared a few providers and this one had the best interest rate for my amount. Needed the loan to cover a wedding deposit that was due quickly. The app is a bit clunky when you try to check your statement though, took me a few goes to find the right screen. Otherwise sorted.

Went to my bank first for a small personal loan and got a lot of paperwork. Here I filled everything in online and got a decision before my tea was ready. Easier than my bank by a mile.

Took out a small loan to get the van fixed so I could keep working. The rate was the lowest I could find for the amount and the repayments fit around my invoices. Money went into my account the next working day with no fees. Good value.

I've been borrowing from these for years and the process is familiar now. This time the identity checks dragged on for almost three days because they wanted a second bank statement. Once that was sorted the money arrived on the agreed date and the repayments have gone out without any problem since.

Took out a short loan to cover a new boiler when ours packed in over winter. Compared three lenders and this one had the clearest breakdown of what I'd repay. Approval was quick and the money went straight to the installer's account. Happy with it.

Needed the money for an unexpected dental bill that had to be paid within the week. I'd never borrowed online before so I went in unsure. The eligibility check said yes straight away and the funds landed the next morning. The repayment schedule sent to my email was easy to follow and the first payment date is clear. Only small complaint is the customer contact page is hard to find, but the loan itself was fine.

Used it to pay for a new boiler after ours died in January. Application was simple, I had the money in my account the next working day and the boiler man got paid straight away.

Used it to get a phone on a loan when I didn't have the cash. Quick to apply on my phone and the money hit my account by the next day. Pretty happy.

Quicker to apply than the other lender I checked, and the monthly figure was lower. Only thing is the email confirmation took a bit longer than I expected to arrive, but the money came through fine.

Know my way around personal lending pretty well and this is a decent option but not the cheapest. The rate was a touch higher than what I could find elsewhere for a similar amount. Application and payout were smooth enough.

Went to the bank first and they wanted a pile of forms. This was much quicker to apply for and the money came through the next day. Happy with it.

Used them for a short bridging loan on a property purchase and they were quick and clear about the fees from the start. Money landed in my account the day after the offer was signed. Exactly what I needed.

Compared this against my bank's overdraft and a couple of other loans, and the total cost on this came out lower for the amount. Worked out far cheaper than paying my overdraft fees month after month. Application took a few minutes and the money came through quickly. I'm pleased with the saving on the monthly figure.

I needed a loan to cover a car insurance bill that came in all at once, and I went with this because the monthly payments were the lowest I could find. Honestly the application asked for more documents than I expected, which took me an evening to upload. Once approved, the money arrived the next morning and the repayments have been smooth.

Compared a few lenders before settling on this one and it came out on top. The total cost was clearer than the others and the repayment dates suited my pay. Sorted, no fuss.

Our old car needed a new clutch and we were short for the garage bill. I looked at a couple of other lenders first but kept getting bounced around by forms. These were straight with me about the rate and the approval came through the same day. Money was in our account before the garage needed paying, which was the whole point for us.

First time I've borrowed from an online lender so I wasn't sure what to expect. The form was simple enough, though the address lookup kept failing so I typed mine in by hand. Money arrived the next working day.

What I liked most was the balance tracker in the account area, it shows exactly what's left on the loan. Signing up took about ten minutes. Money landed on the same day I was approved.