Lux Surveys

Compared with the high street option I'd been considering, this was a far more sensible route for me. I didn't need to visit a branch or sign anything in person, and everything was handled through the online account. The statements arrive clearly set out and the payments are reliable, which is what I wanted.

Used it to cover my car insurance excess after a bump in the car park. Applied on my phone during my lunch break and it was done before I got back to my desk. Money went in quickly and the repayments are coming out fine so far. Really handy when you're skint.

The detail I valued most was being able to take a payment break when my husband fell ill. I rang the team, explained the position, and they were courteous and sorted it without fuss. It's rather reassuring to know that sort of help is available.

Compared with my old lender this was a lot less hassle to apply for. My previous provider wanted paper payslips and a phone call, whereas here I uploaded everything from my phone in ten minutes. Repayments come out on the right day and the statements are clear. Taking one off four because the confirmation emails were a bit slow to arrive.

Compared with the payday place I used last year, this felt a lot more grown up. The rate is far lower and the term is longer so the monthly bit is manageable. The only niggle was that the app kept logging me out during signup, but I got there in the end.

Compared with going through my bank this was much quicker and I didn't have to sit on hold. I've used them three times now. The rate is a little above what the bank would have given me on a good day, so I've knocked a point off, but the speed made it worth it for me.

Quick and to the point, it did exactly what I needed it to do. Applied, got approved, money in the bank before the weekend. Nothing to add really, it was simple from start to finish.

Been using them on and off since my husband passed, and they've always been straightforward. Last time I just needed a bit for the car MOT and repairs, and it was sorted quickly.

Used them for a car repair last spring and it was the same process I remember from a few years back, which I liked. The form is still quite long but everything is where I expect it to be. Money came through quickly, and when I had a question about a payment date the person on the phone sorted it within a few minutes.

Got a small loan to pay for my new phone after my old one got smashed. Did it all on my phone in bed, took about five minutes. Money landed the next day and I've been paying it off by direct debit. Easy, no complaints, would do it again if I had to.

Needed the money quick because the car died on the Monday and I had to get it to work. Applied on the site at lunchtime, got a decision before I'd finished my sandwich and the cash was in my account by the next afternoon. Happy with that, no complaints.

Needed cash for a water bill that was about to go to a debt collector, so I was in a rush. Filled the form in on my phone between meetings. The approval came through fine but the money took two working days to show, which is longer than they said, and I was a bit stressed waiting. Otherwise all good.

Sorted the car repair without any drama. I'd been using them for years for smaller amounts and this was just another loan through the same account. The money arrived on time, the repayments are set up and I've never had to ring them about anything. Exactly what I need from a lender.

Fine for what it is, I've used them a few times over the years and they've never let me down. The application was quick enough and the money arrived when they said it would. The only thing that puts me off is the interest, which is higher than my bank would charge, and I wish the repayment dates were more flexible when money's tight in the month.

Having done a fair few of these over the years I know what to look for, and the fixed monthly payment with no surprises is exactly what this offers. The application asked the right questions for a loan of this size, the approval was prompt, and funds reached my account on the agreed date. The early settlement terms are clear and fair, which is rare.

Filled the form in on my phone during my lunch break and it asked for my bank details and nothing else I had to dig out. Got a decision the same afternoon and the funds were in by the next day. Simple and does what it needs to.

Took out a loan to get the boiler replaced in the winter. Found the cost of borrowing was more than I'd hoped, and the paperwork to change the repayment date took a few goes. Money arrived fine though, so it's not all bad.

The first application kept timing out on my laptop so I had to start it again on the app. Once it was going the approval was fine and the money arrived when they said it would. The interest works out higher than I'd like though, and I'd have looked at a cheaper option if I'd known the total up front.

Needed to bring a few credit cards together because the monthly juggling was getting ridiculous. Applied through the site and had an answer the same day. Paying off the cards was simple enough and the one monthly payment is a relief, though the form asked for the same details twice which was annoying.

The approval came through in about twenty minutes which I didn't expect at all. Money landed in my account the following morning, and I was able to set up the direct debit in the same app without ringing anyone. Repayments come out on the date I picked. Nothing more to say really, it did the job I needed.