Eterna

Needed a bit of cash for my deposit on a flat and this sorted it out. Did the whole form in bed on my phone, took like ten minutes. Money was in my account by lunchtime. Easy.

Got a loan to buy a new laptop for uni and the whole thing was done in one evening. Took a bit of time to get through the ID check because my photo kept getting rejected but a message popped up telling me what to fix. Money came in the next day and the monthly payments are easy to keep track of on the app.

I needed a small loan to cover some unexpected dental work and the online form was clear enough. The only thing that slowed things down was a document I had to upload twice before it was accepted. Once approved the money came through promptly and the customer service team were polite on the phone.

How it compared to the high street lenders was the first thing I noticed, as they were far more complicated to apply with. This one was a simple online form and a quick decision. The repayment terms were clearly laid out before I committed. I would happily use them again.

I have used this sort of short loan before, so I knew the process. I went for the smaller amount this time, which kept the repayments manageable. Money landed the next working day and the app shows exactly what is due and when.

I had a small loan approved within the hour and the money went into my current account the same evening. What I noticed most was how little fuss there was, the questions were all sensible and nothing was hidden in the small print. The monthly payments come out on the date they said they would. Very pleased with it.

Having looked at my local credit union first, I can say this one costs noticeably more per month for the same amount. The application itself was straightforward and the approval came quickly. My only real grumble is that the early repayment fee wasn't obvious until I read the small print. It did what I needed though.

I would say on the whole this is a sound option if you need a short loan and want the money in your account quickly. The application took me about twenty minutes online and the decision came through the same afternoon. I did find the repayment dates a touch fiddly to change, but the staff on the phone were patient and helpful when I rang.

Got a loan through the app to cover my car insurance when the renewal came out higher than I expected. Sign-up was dead quick and the app shows you every payment due. Money hit my account the next day, no drama.

I have borrowed from this lender on and off for well over a decade and it has always been the same. Applications are straightforward, the payments are clear and the money arrives when they say it will. I have never needed to ring them about anything.

Needed £800 for a new fridge freezer after ours died. Repaid over six months and the total interest came to less than I'd paid on a store card last time. Application was done on the laptop in ten minutes and the money hit my account the next morning. Repayments go out by direct debit with no fuss.

Compared to my bank this was way quicker, I had the money in like two hours. Bank wanted me in branch. App is decent, nothing flashy but it does the job and I could check my balance easily.

Got a personal loan through the app for a bit of furniture and a new sofa for the flat. I compared three apps before picking this one and the signup was the quickest of the lot, took maybe ten minutes. The only thing that annoyed me was the identity check, the photo upload kept timing out on my phone until I switched to wifi. Otherwise it was smooth and the money was there the next morning.

We needed the money to get the roof of our cottage patched before the autumn rains came in. The application was quite long but everything was explained as I went along. The decision came back the next morning and the funds were in our account by the afternoon. I am grateful for the speed and the courteous staff.

Compared with my bank overdraft, this loan worked out considerably cheaper for the amount I needed, which surprised me. The monthly payments are fixed so I know exactly what goes out each month. I was a little wary at first given how many adverts there are, but the terms were laid out plainly before I signed anything. The paperwork was simple and the money arrived on time.

Not impressed. Applied on Tuesday, still no decision on Thursday and I had to chase them twice. Money came through in the end but it was a bit of a faff.

Never borrowed money before so I was a bit nervous, but the site walked me through each step and the amount I was offered was about what I asked for. The app wanted a selfie for ID which took a couple of goes. Money arrived in about two hours. The only thing that put me off is how much I'll be paying back over the term, but I knew that going in.

Looked at three other lenders before picking this one and the interest rate here was the lowest by a fair bit. The online application took maybe ten minutes on my phone and I had a decision the same afternoon. Money landed in my account the next working day, which is exactly what I needed for a bit of roof work I'd been putting off.

I have taken out a few personal loans over the years so I know roughly what to expect. This one was quick to apply for and the funds arrived the next working day. The only niggle was that the app logged me out twice during the identity check and I had to start again. Otherwise it did the job without any surprises.