Endource Trading Limited

Before this I checked two other lenders and a bank app, and this one came out ahead for me. The quote came up instantly without a credit search that showed on my file, and the money landed the next working day. Repayments are easy to change in the app if I need to, which I did once.

Compared to the overdraft I'd been using this is much cheaper for a bigger amount. Applied on my phone during a lunch break and had an answer quickly. The money hit my account the following morning. I've already got it on a calendar so I don't miss the monthly payment.

Car needed a new clutch and I was short by about £400 till payday. Applied on the app at lunch, got a yes within the hour. Money landed before I was even back at work. Repayments are taken on payday so it's easy.

Quick approval, money in my account the next day. Took me about five minutes on my phone. Only downside is the interest is a bit steep but it was that or nothing for me.

Honestly the easiest loan I've ever got. Applied at 9, approved by 10 and the money was in by teatime. Repaying through the app is dead simple and I've not had a single issue. Would do it again no bother.

Compared with the high street lender I used before, the rate here is noticeably lower for a similar amount over the same term. I work in finance so I read the early repayment terms closely, and they are clear with no nasty surprises if you clear it early. The application took about twenty minutes on my laptop and the agreement was in my inbox by the afternoon. Settlement figure came through promptly when I asked for it.

My van failed its MOT and I needed the repair done that week, so I borrowed through them. The whole thing from application to money in the account was done in two days. The repayment dates suit me because they line up with my wages. I've used them twice now and both times it was simple.

I used this to pull together two credit cards into one monthly payment. Set-up took a while because they wanted letters from both card providers, which I had to chase. Once it was live though, the single repayment is much easier to track and the balance dropped as expected. The settlement letters were a bit slow to arrive but nothing serious.

I needed a loan to cover a dental bill that wasn't in my budget. Checked a few options and these had the clearest breakdown of what I'd repay. The whole process was smooth and the money landed when they said it would. I'd go back if I needed to.

The detail I noticed most was the app sends a reminder a couple of days before each payment. The first time I signed up it wanted me to upload a photo of my bank statement and that step took a while to figure out. Once I was in, changing my payment date was easy. Money came through when they said.

Got a personal loan from them a few years back and I've just paid it off. The money came through when they said it would, but closing the account was a faff. I had to email three times before anyone confirmed the final balance. Price was fair for the time I had it.

Compared to the bank apps this is way less faff. Got approved in about twenty minutes and the money hit my account by the morning. Interest is a bit higher but I didn't mind for a short loan.

Does the job and I've been using them on and off for years. Approval is usually quick but this time it took two days because they wanted a copy of my payslip again. Interest is a bit higher than some banks so I only go to them when I need the money in a hurry. Customer service on the phone was polite but it took a while to get through.

I looked at three other lenders before going with these and the application was the quickest of the lot. Filling in the form took maybe ten minutes but then I was asked for a utility bill which I had to dig out. Approval came later than they'd said, around four hours. The money landed fine and the monthly amount is clear.

Took out a small loan to cover the boiler repair last month and it was the first time I'd used them. Application took about ten minutes on my phone, approval came the same afternoon and the money was in my account the next morning. Repayments come out on the date they said they would, no complaints so far. Only thing was the form asked the same question twice which was a bit annoying.

Compared with my bank's personal loan, the application here was far quicker and I didn't have to visit a branch. I did find the eligibility questions a little repetitive, asking the same things twice on separate pages. Otherwise I have no complaints and the loan was approved the same afternoon.

I've taken out a few personal loans over the years so I know what to check, mainly the APR and the early repayment terms. Their APR was in line with what I'd seen elsewhere and the terms were stated clearly up front. The application took a bit of effort because it needed a couple of uploads, but the decision was fair. The money arrived the next working day which is what I expected.