Kensford

I took a three year fixed rate personal loan to pay for a new roof. The rate was the lowest I found after comparing four lenders, and the repayment schedule came through as a clear PDF. The first payment went out exactly as set up and the online account shows the remaining balance clearly every month.

Compared with the other lenders I looked at, this one's rate came out a little higher, but the eligibility check was the only thing that didn't leave me feeling rushed. I took the loan for a wedding dress and some venue deposits. The money went in the next day and the monthly payments have been fine.

I needed a loan to cover a few bills after I changed jobs and my pay was delayed. The form asked fairly detailed questions about income and outgoings, but they were easy to answer with my payslips to hand. The decision came back the same day and the money arrived the following morning, which got me out of a tight spot.

I have been using the online account for my personal loan and the monthly statements show exactly what I've paid and what's left. I can check it on the tablet or the phone without ringing anyone. The payment arrives from my bank on the date set up each month.

Compared with my old bank, applying here was far less of a palaver, with no branch visit and no paper forms. I've had a few small loans from them now and the money has always arrived when they said it would. Customer service is friendly when I do ring, and the monthly payments fit my budget.

Compared to my bank, getting approved here took minutes instead of days, and I did the whole thing from my phone while waiting for the kettle. The payment dates are flexible enough for me. Quick and no fuss.

Compared with paying the credit card minimum for years, moving the balance onto a fixed loan here has cut what I pay each month and given me an end date. The sign up took a while because I had to send in a bank statement by email, and they took two days to confirm it. Otherwise it's been fine and the payments go out on time.

I took out a fixed term personal loan to consolidate two credit cards, which I'd been paying far too much interest on. The online calculator showed me the monthly figure before I committed, and the figure I was quoted at the end matched it exactly. I've been paying it off for a year now and the statements have always been clear.

Needed a loan for a new laptop for uni and didn't want to ask my parents. Applied last night, got approved this morning and the money was in my account by lunch. The app is clean and easy to use, I like seeing everything on one screen. Repayments come out on the 1st, no issues so far.

What struck me most was how much more interest I was charged than I had expected when I signed. The application itself was straightforward and the phone team were courteous when I rang to ask about it. The money came through as promised, though I think I would look at other lenders first next time.

I'm afraid I was disappointed with how long this took. I applied on a Monday and didn't hear anything until the Thursday, and when I rang the number I was kept on hold for a good while before anyone could tell me what was happening. The money did come through in the end but I'd not go back to them.

The app is what I noticed most, it's clean and you can see the loan details on one screen. I used it between meetings to apply and sign the agreement. Money landed the next day.

I needed a short loan to cover a van repair that couldn't wait, and I wanted to see what it would cost before committing. The application was quick enough on the site. The money took a day longer than they said it would to reach my account, which was annoying when the garage wanted paying. The interest worked out fair compared with the store credit I'd been looking at.

I applied for a small loan to cover the funeral and some bills while the estate was being sorted out, and I was not sure I would be able to manage the forms. The staff on the phone were patient and took the time to go through each question with me. The money arrived promptly and the repayments have been straightforward since.

Honestly the verdict is simple, it was quick and I got the money the same day I applied which is all I needed for a car repair. I did have to upload a photo of my driving licence twice because the first one was too blurry but the app walked me through it. Repayments are set up on my card and I've not had a single problem with them since.

I needed a bit of cash for a deposit on a flat and had no idea how loans worked. The eligibility check didn't affect my credit score which was a relief. The whole thing was done in a few days and the money went straight into my account. The emails explained every step clearly, which helped a lot as a first timer.

I was a little nervous about borrowing online, but the staff I spoke to were very patient with my questions. The paperwork was clear and they did not rush me. The money arrived promptly and the repayment schedule has been easy to follow.

Honestly really good, applied on my phone at lunch and had an answer before I got back to my desk. Money hit my account the next morning. Repayments come out on the same day each month, no faff.