Orzorz

I needed a small top up to cover a van repair when a lot of my work had stalled for a few weeks. I've used a few of these services before, so I knew the drill and what the fees should look like. Application was quick, the offer was clear and the money came through the same day. Repayment scheduling is sensible and the reminders are timed well.

I'd been through a fair few of these plans over the years for various bits of kit, so I knew what to look for. The thing I bought was a replacement boiler, spread over twelve months, and the application was clear and didn't ask for anything unusual. The payments have been taken on the agreed date each month and the statements are easy to follow. It's a sensible option if you want the cost spread out without fuss.

I looked at three different places before settling on this one, mostly because the others wanted a lot of details upfront. The thing I signed up for was a monthly plan to top up my phone bill, and the sign up was simple enough. My first payment went through on the right day and the balance shows in the app straight away. It's been easy so far.

I needed to cover a car insurance payment that came out earlier than I'd planned, and payday was still ten days off. I looked at two other lenders and a credit union first, but they wanted more documents and a longer wait. This one took my details, checked my income and told me the outcome within the hour. The money arrived before the insurance company's direct debit went through, which was the whole point.

I took out the instalment plan to spread the cost of new kitchen appliances over the year. The application was straightforward and I was told the decision within the hour, which suited me well. The monthly payments have been taken without any fuss, and the statements arrive when they ought to, so I am content with how it has gone.

We needed something quick to cover the costs of our trip to Cornwall when the boiler went and we had no savings left to fall back on. I'd been putting it off for weeks, but the whole thing was sorted in a day and the money came through to our account the next morning, which I did not expect at all.

Honestly really quick, sorted the whole thing before my lunch break. Filled the form in on my phone while queuing for the bus, got an answer within the hour. Money was in my account next morning. Repayments come out when they say they will, so that's me happy.

The app is dead easy to use, I could sign up on the bus. Got my payment in the morning like they said it would be. Didn't have to call anyone, which is a result for me honestly.

My bank wanted a week of paperwork and a visit to the branch, which for me is a real bother. This was far simpler, I filled in the form on the laptop one evening and had an answer before my tea had gone cold. The repayments come out on the date they said they would, so I have no complaints.

Verdict is sound and simple, which is what I wanted. I have used them twice now for small amounts and the sign up has been the same each time. The money has come through when promised and the repayments have not caused any bother.

Quick verdict: very good, and I'd happily use them again. This was my first time using them, so I was a bit nervous about it. The application took about ten minutes and the money landed in my account before lunch the next day.

Compared with the overdraft I'd been using, this was much quicker to sort out. Money was in my account by the next morning and I didn't have to phone anyone. Happy enough so far.

What struck me most was how plainly the repayment schedule was set out before I agreed to anything. Every figure and date was laid out in a table, which I did appreciate, as I do like to know exactly where I stand. I did have a question by telephone and the young woman who took the call was patient and helpful. The whole business was handled courteously from start to finish, and I'd be happy to use them again.

Got a short term loan through the site last month to cover a dental bill I wasn't expecting. Filled in the form on my phone during my commute, it asked for my payslips and bank details and that was about it. Approval came through the same afternoon and the money hit my account the next working day. Repaying through the app is easy enough, there's a reminder a couple of days before each payment which I appreciated.