AYP Healthcare

Compared with the high street lenders I looked at, this came out noticeably cheaper over the term, and the total cost was shown upfront before I committed. I took out a smaller amount to cover the car repairs and the repayments fit neatly into my monthly budget. Nothing hidden in the small print that I could find, and I checked it twice. Sensible rates and a straightforward process.

Took out a loan on the site to cover the van repair. Typed it in on the way to work. Approval came back before I got to the depot and the cash was in the account by lunchtime. Repayments come out on the date I picked. Easy.

Would use again but only because it was cheap. Signed up on the site on a Sunday and the approval took about three days which was longer than I expected. The money did land in my account though and the app shows everything clearly so not complaining too much. Would just like a faster reply when I message them.

Our boiler packed in over winter and we needed to cover the engineer quickly. Found this site through a search and the price looked fair next to the others. The application was quick and the money came through the next working day. The only thing I'd flag is that the reminder emails arrived a day late once, but nothing serious.

We needed the funds quickly to cover the deposit on a rental flat, and a friend had mentioned this company. The application took around fifteen minutes on my phone and the decision came through the same afternoon. The money arrived the next working day, which was right on time for the agent. My only gripe is the email updates were a bit sparse, I had to log in to check where things stood. Otherwise it did the job well.

I looked at three providers before choosing this one and it came out the best for me. The application was simple and the payments are easy to manage through the online account. The rate was fair for what I needed.

Used them to cover a new combi boiler install in the spring. Approval came through same day and the funds hit before the engineer arrived, which was the whole point for me.

Honestly the thing that annoyed me most was the app kept logging me out every time I tried to check the repayment date, so I ended up using the website on my phone instead which was fine. Took about a day for the money to show in my account after approval, which is ok I suppose. Not terrible, just a bit clunky and I wouldn't say it's the smoothest thing I've used.

The first thing I noticed was how little paperwork they asked for, just ID and a couple of payslips. I looked at a few other lenders before going with them and this was the simplest by a distance. The money hit my account the same day I was approved.