Centre of Excellence

I took a small loan to cover a boiler repair and the total cost worked out lower than the credit card option I had been looking at. The application was fine, a few questions about income and that was it. Funds came through the next day and the repayments are set up by direct debit so I don't have to think about them.

Clearly the lender was set up for people who know their credit history well. I'd applied for loans with two other lenders before and this was the only one that didn't ask me for a stack of payslips. Money landed in my account the next working day and the repayment schedule is in the app.

I needed to settle some bills after my husband passed, and I was anxious about getting a loan at such a time. The team were patient with me on the phone and went through each step slowly, which I appreciated greatly. The money came through within two working days and I have been managing the repayments without any trouble.

Moved my credit card balance over and the transfer went through in about two days, which was quicker than I thought. Didn't need to ring anyone, all done on the app, pretty easy honestly.

I looked at a few other lenders before going with these, mostly because the rate quoted on the comparison sites looked a bit lower elsewhere. Once I got into the application it was straightforward enough, and the money landed in my account the next working day. The monthly payments come out on the date I picked, which is all I really wanted.

This is a reliable enough option for a personal loan and I have no real complaints about it. The paperwork came through quickly after I'd signed up, and the first payment went out exactly when I expected.

Compared with the big banks I checked, the rate here was noticeably better for my credit score, so I went with it. Setting up the account was simple enough and the funds landed a day after approval.

I would say it is a sound option for anyone wanting a personal loan of modest size. The application took a little while to complete online, but the decision came through promptly and the money reached my account the following working day. I found the staff on the phone courteous when I had a question about the repayment dates.

I needed to clear a garage bill quickly and my bank would not extend my overdraft any further. Applied through the site on a Monday morning and had an answer by lunchtime, with the funds landing before the end of the working day. Repayments come out on the date I chose, which has saved me from the late fees I used to get, and the statements are easy to find when I need them for my records.