Cabaret

I was paying almost twenty percent on my credit card and this loan works out cheaper once I'd moved the balance across. Compared with the other lender I looked at, the total repayable came in noticeably lower, which is what made me go ahead. Applying took about fifteen minutes and the money arrived the next working day. Paying off the card has been a real relief each month.

Applied on my phone during my lunch break and got approved in like ten minutes. Money was in my account by the next day, so no complaints really. The app shows when each payment comes out which is handy.

I borrowed a modest amount to replace a boiler that gave up over the winter. The application was straightforward and the money reached my account the next working day, which was what I needed. The only thing I'd mention is that the monthly repayments came out a day earlier than I'd expected, so I had to shuffle a direct debit, but it's a small matter and the paperwork was clear about it.

I've used a few of these lenders over the years and this one comes in cheaper than my bank's overdraft when you do the sums. Applying was quick enough, but the customer chat took nearly two days to answer a question about an early repayment, which is far too long when you're trying to clear something. Fair enough for the price, but I'd want quicker replies if I'm honest.

I've taken out four or five loans with this lender over the last decade, and each time it has been the same simple process. The forms are the same, the decisions come through promptly, and the money is always in my account when they say it will be. Repayments have never caused any trouble and the customer team has always been polite when I've rung with a question. I'm happy to keep going with them.

I had three credit cards with different rates and was losing track of which payment went where, so I wanted one fixed monthly payment. Signing up was easy enough and the consolidation went through without me having to chase anyone. The one niggle is that the early repayment figure took a couple of days to come through when I asked, but the balance statements are tidy and the due dates are easy to keep track of.

Honestly I'd say this is a sound and sensible place to borrow from, and I say that as someone who has been turned down by two high street banks this year. The application asked for only what it needed, the decision was fair and the money arrived on the agreed date. Repayments come out on time and the app shows me the balance without fuss.

Needed a small loan to cover my rent deposit when my old landlord sold up. Never borrowed before so I was nervous, but the steps were clear and the money came through fast.

I know this stuff pretty well and the app is decent, with the balance and payment dates easy to find. The interest is on the higher side compared with a credit union loan, which is what I'd have gone for if I'd known one was available locally. Nothing wrong with them, but shop around first.