Intelligentsia

Honestly the bit I liked most was that I could apply on my phone while waiting for the bus. Got a small loan for my deposit on a phone contract and it was approved in like ten minutes. Money showed up the same day which was class. Repayments come out on the date they said so no complaints, would use them again if I needed cash fast.

I would say this is a sensible option for anyone who needs a small sum at short notice. The application was straightforward and I was told the outcome within the hour. The funds arrived promptly and I have found the repayments easy to manage.

We needed a bit of money fast after the car gave up on the motorway and the garage quoted more than we had saved. Applied through the site on a Monday evening, which took about ten minutes, and had an answer before bed. The money landed in our account the next working day, and the repayment dates were clear from the start so there were no surprises.

Compared with the bank this was much quicker and I didn't have to go into a branch. The other two sites I tried wanted a credit check before showing any prices, these showed the cost up front. Got the money in a couple of days.

The loan works out cheaper than the credit card I was going to use, which is the main reason I went with them. The one thing that annoyed me was the customer chat, it took nearly two days to get a reply to a question about an early payment. Otherwise the money came through and the repayments have been fine so far.

Got a loan to buy my first car and the process was fine on my phone. The rate was better than the dealer's finance offer. They sent the funds straight to the seller so I didn't have to chase anything.

Used them instead of a store card to buy a laptop, and the interest was lower. The checkout was quick but the verification email took a while to arrive. Once that came through, the funds went to the shop straight away.

Needed a deposit for a flat and my savings were short by a bit. Applied on the app and got a yes the same evening. Took a few days for the money to show up but it got there.

Moved a balance off my credit card onto one of their loans and the monthly figure dropped by quite a bit, which was the whole point for me. Application took about ten minutes on my laptop after the kids were in bed, approval came back the same afternoon and the rate was lower than what the card was charging. Nothing to fault really, I'd use them again if I needed to.

Used them for a short-term loan and it was all handled in one go. The total repayable was shown before I signed and that matched what came out. Money arrived the next working day.

Honestly it did the job, I needed cash for a deposit and the approval was pretty quick. The repayment reminders are a bit too frequent for my liking, got three texts in one week. Money landed in my account the next working day.

Took out a personal loan to pay for a new boiler, this is my third one with them over the years. The renewal process is quicker each time and the statements are easy to find in the account area. The money arrived in the bank on the day they said it would.

The application was quick enough but the money took nearly a week to land, which was longer than the site said. Support was polite when I asked but didn't have much to say. Would've been a 5 if the payout was on time.

I used their online account to check my balance and set up the monthly payment, which I found very handy. The statements can be downloaded as a PDF for my records. I am pleased with how the account has been managed.

Used the online account to set up my monthly payment on a loan for a new sofa. Balance shows up clearly and I can see the payment dates without ringing anyone. Only niggle is the login timed out twice.

Compared with the lender I used before, this one charged more in fees once you add everything up, and I wasn't expecting the arrangement charge. The application itself was easy and the form remembered my details when I came back to it. Money arrived when they said it would, but the total cost was a shock and I'm not sure I'd pick them for a bigger amount.

What sold me was the repayment plan showing exactly how much would come out each month. I checked two other lenders first and they were vaguer about fees. The whole thing from application to the money in my account took two days.

I work in finance so I know what to look for in a loan, and the rate was fair for the amount and the term. The application asked for the same bank details twice across different screens, which was irritating. Once I was through it the money came through and the schedule was easy to follow.

Needed some cash for the deposit on a room for next year and my student account was too low. Applied on the site, they wanted a few documents but uploading them was simple. The money turned up in my account the next morning and the first repayment date is shown in the app.

Went with them instead of my bank's overdraft and honestly it was miles cheaper. Filled the form in on my phone on the bus and it asked for less than the banks do. Got approved quick and the cash was in my account before lunch.