BadRhino

The application was quick and the decision came back the same day, which is what I was hoping for. I asked a couple of questions by email and got sensible answers, although one took a while. The money reached my account on time and the repayments have been taken without any bother. A good, plain service for what I needed.

Honestly this is the place I go back to every time. I've been using them on and off for about six years now and the process hasn't changed much, which is exactly why I like it. Apply online, approval in a few hours, money in the bank by morning. Customer support picked up quickly last time I rang, and the repayment reminders come through on time. Never had a problem.

Applied on a Tuesday evening and had the money in my current account before lunch on Wednesday. The form asked for payslips and bank statements which took me a bit to dig out, but once uploaded the checks went through without anyone phoning me. Repayments come out on the date I picked and the app shows the balance clearly, so I can see exactly what's left.

I needed a small loan to cover a deposit on a flat and I was nervous about borrowing from a site I'd never used. The application itself was fine and took a bit longer than I expected. I then had to wait nearly two days for anyone to get back to me about a missing document. Once that was sorted the money came through.

Compared with the high street lender my late husband used to use, this was a far more modern experience and rather less of a palaver. I was able to do most of it online without needing to visit anyone. The rate was competitive and the paperwork was clear. The funds arrived on the date I'd been promised, which I always appreciate.

Needed a short term loan to cover a car repair that couldn't wait, so I was after something quick and simple. The application took about ten minutes on my phone and I had a decision the same afternoon. Money landed in my account the next working day. Only thing that annoyed me was the repayment dates being set a few days after my payday, so I had to move things around. Otherwise it did the job.

Got a loan through the app for a gap before payday. Took a few minutes to sign up and the money was in my account by the next day. The interest is higher than I'd like though, and I'd have paid less elsewhere. Does what I needed it to do.

Had a look at a couple of other lenders first and this one came out a bit dearer on the interest, though not by much. The application itself was simple enough. The app kept logging me out when I tried to check my repayment schedule, so I ended up using the website instead. Money arrived fine.

I took out a personal loan to have the boiler and the bathroom sorted, which was the only real reason I needed the money. The forms were straightforward and I was able to complete them without the usual fuss. A member of staff phoned to confirm a couple of details, very politely. The funds were in my account when they said they would be. I'm pleased with how it all went.

Compared it against my bank's overdraft fee and it came out well ahead for a three month gap. Signing up took maybe fifteen minutes and the approval was quick. The money turned up next morning, no fees for the early setup. Good value for what I needed and the repayment schedule is easy to follow.