FXW

The speed is what got me. I applied at 9am and had the money by lunchtime, which beat my overdraft by days. Easy to check the balance in the app too, no faff. Would use again if I need it.

Compared with the overdraft my bank kept pushing, this is much cheaper for a fixed sum and I know exactly what I'm paying back. The sign up was quicker than the bank's too. Would use again.

Compared with using my credit card for the same spend, this was a lot cheaper per month, which is why I went for it. The other lenders wanted a credit check that left a mark and this one didn't seem to. Repayments are on the same date each month. The only thing I'd change is that the help pages are a bit thin when something goes wrong.

Compared with my bank's overdraft, this is far less stressful because the repayments are fixed and I know when it ends. I had looked at a couple of other online lenders and the rate here was the lowest I was offered. Signing up took maybe fifteen minutes and the money went in the next morning. I'm pleased I went this route.

I took the fixed rate personal loan to pay off a credit card that had got out of hand. Knowing the monthly payment would stay the same made the whole thing much easier to manage. The application was straightforward and I had a clear decision within a day. The first payment went out on the agreed date and the statements arrive every month without fuss.

I took out a personal loan with them a few years back to sort out the car and I have used them again twice since. The application takes about ten minutes on the site and I've never had to send in paperwork twice. Money lands quickly and the monthly payments come out on the date they should. Customer service has always answered when I rang, which is more than I can say for my bank.

I needed it to help my daughter with a deposit she couldn't quite find. I'm not one for online things but my son set the account up for me. The application asked a lot of questions that I found a bit tiring to answer. The money arrived promptly and the staff on the phone were patient with me.

Honestly really good, got approved same day and the money hit my account the next morning. The app shows exactly what I owe and when it's due so no nasty surprises. Would use again.

I'd compared three or four lenders before picking this one and it came out cheapest for the amount I needed. The eligibility checker told me straight away whether I was likely to be accepted, so I didn't waste time. Money came through the day after approval. I'd go with them again.

Took ages to get the money, nearly a week after approval. Customer chat was ok when I got through to someone but the wait for a reply on email was annoying. Application itself was quick and easy on my phone, just the last bit that dragged.

The app is the bit I liked most, you can see each payment and the balance without ringing anyone. Took a couple of days for the first payment to show as taken though, which made me panic for a bit. Otherwise it's been fine and I'd sign up again.

I needed it because my phone bill and rent landed in the same week and I was short. Got approved on the bus, which was a relief. Money arrived the next day and I've been paying it off in the app without any problems so far. Would take it again if I was in the same spot.

I needed it when the boiler packed in over Christmas and I had no savings to fall back on. I've been with them for a few years now on a couple of smaller loans. The application was fine, though the verification step asked for a bank statement twice which was a bit annoying. Money came through the next morning and I've paid on time every month.

I would say it was a smooth experience from start to finish and I am very pleased with how it was handled. I applied online one afternoon and had an answer the same day, which I did not expect at my age. The money reached my account within two working days and the repayment schedule was clear from the start. I would happily use them again if I ever needed to.

The first thing I did was compare them against two other lenders, and this one wasn't the cheapest. The application form made me upload the same ID twice. Approval came back the same day and the money followed quickly enough.

I used the loan to cover the deposit on a flat and the amount they offered was exactly what I'd asked for. Knowing how the interest works from the start was helpful, since I'd been burned before on a store card. The only annoyance was the document upload kept timing out on my phone so I had to do it on my laptop. Once that was sorted everything was quick.

The reminders are the thing I like most, they come through a few days before each payment so I'm not caught out. The app is clean and easy to use. Money came through fast and it's been smooth since.

Needed it because the car failed its MOT and the garage wanted paying straight away. Applied on my phone during my lunch break. Approved and money in the account the next day. Easy.