CrystalPlus

Didn't know much about them before, found them through a comparison site. The sign up took about twenty minutes and I liked that they showed me the full cost before I had to commit to anything. The money landed in my account the next working day, no fuss at all. Haven't had to speak to anyone yet so can't say about support, but everything has worked so far.

What I actually used was the app to set up my loan, which took a few minutes after I'd uploaded my documents from my phone. It asked me to confirm my bank details twice but otherwise it was simple. The money reached my account the following morning and the first payment came out on the date I'd chosen. Checking the balance and paying extra when I can has been really easy, so I've been paying it off faster than planned.

I was short for rent after an unexpected bill and needed the money fast, so I applied the night before it was due. The form asked a lot of questions but it was clear what each one wanted. Money reached my account the next working morning and I paid my landlord on time. Compared to the payday lenders my mates have used, the repayments are much more manageable.

Switched from a credit card to this for a bit of home improvement money and it's a lot cheaper monthly than the card was. Took about fifteen minutes to apply. Money arrived the next day.

Used them for a personal loan to replace our boiler when it packed in during January. The whole thing from application to money in the account took under three days. Monthly payments come out as promised and the online account is easy to check.

Compared to my bank's overdraft, the rate here felt a bit more sensible for what I needed, and I didn't have to go into branch. Got the offer quickly and the money landed the same day. The only thing I'd have liked is an earlier warning before the first payment.

My car needed a new clutch and the garage wanted paying before they'd touch it, so I needed a loan quick. Applied on a Sunday evening and the approval came through by morning, which surprised me. The money went in the next working day. Repayments come out on the date I picked and the balance updates in the app straight away, which is handy.

This was my first time borrowing from them and I wasn't sure what to expect, so the clear summary of costs before I agreed helped a lot. The application was fine but my approval came back a day later than the website said it would. Money arrived after that without any problems. I'd have liked a call or email to say why it was delayed.

I'd compared a few lenders and the rate here came out lower than the rest for my credit history, which is why I went with it. Application took a while because I had to upload proof of address twice, but the team fixed it when I rang. Funds arrived in my bank the next morning. Monthly payments come out on the date I chose and the app shows exactly what's left.

Loved how fast the money landed, but I had to log back in twice to find where the early repayment option was hidden. Took me a good while on my phone while on the bus. Customer chat answered within about four minutes which was fine. Not a massive deal, just wish the menus were a bit clearer when you're in a rush.

I used them to cover the excess after my car was written off last spring, so it was a bit of a stressful time. I've been a customer for years and every time I've needed to make a change the phone line has been friendly and sorted it in one call. The payments come out on the same date each month and I've never had a problem with the account. Happy to keep going with them.

The first thing that struck me was how plainly the repayment schedule was laid out before I signed, with the total amount payable in a box at the top. I've borrowed before from other lenders and this was easier to follow than most. The problem came when I rang about changing my payment date and waited nearly forty minutes before anyone picked up. Once I got through the person was helpful and sorted it.

Took out a loan to help with a family wedding and the total cost came out higher than I'd hoped. Application was clear and the money came through when they said it would. Be prepared for the interest though, it adds up quickly over the term.

Needed a loan to clear a credit card balance that had crept up, and I'd been turned down elsewhere, so I was surprised when this one said yes. The application asked about my income and outgoings in plain terms. Money landed in my account two working days later. First repayment came out exactly on schedule, which I was relieved about.

I'd had quotes from my bank and two other lenders before this, and this one came in lower on the monthly payment for the same amount. The application was done in one sitting on my laptop. Money was in the account the following day and the first payment went out exactly when the schedule said.

Worked out that a loan here would cost me less each month than running my overdraft for the same stretch, so that's why I switched. The application was quick enough and the money came through the next day. Only small niggle is the app takes a moment to load when you log in.

Got approved in like ten minutes which was mad. Money took a bit longer than they said though, about two days. Website kept timing out when I tried to upload my payslip so I had to do it twice.

Money arrived in my account the same afternoon I applied, which was exactly what I needed. Application took about ten minutes on my phone while waiting for the bus, and I had a decision before I'd even finished my tea. Repayment dates were clear and the reminders came through on time.

I needed a small loan to cover a gap in my uni fees and I'd looked at three or four lenders before picking this one. Application was straightforward and I liked that the interest was shown up front. The money was in my account before the deadline, so no stress with the finance office.

The app is what sold me, you can see your schedule and make an early payment in a couple of taps. I used it to pay off part of my loan early and it refunded the interest I hadn't used. Loan itself came through fast.