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.

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.

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.

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.