Hunt or Dye

First time I've used a service like this so I compared it with my credit card and a personal loan from my bank. The rate here was clearly lower over the same term, which was the main reason I went with it. Setting up the account was quick and I was happy with how the repayments were scheduled. Money landed on the day they said it would, so no complaints there.

I compared them with my bank before applying and they offered the more favourable repayment terms. The paperwork was clear and the advisor I spoke to was courteous. Would consider them again.

Compared it to my bank overdraft and honestly the difference was night and day. The fees on my overdraft were eating me alive, whereas this had one fixed charge I could see upfront. Applied on my phone during my lunch break and the money was in by the evening. Would do it again.

Needed a bit of extra cash for a rental deposit and the bank was being slow. Applied on the app late one night and had the money the next day. Really handy.

I applied for a loan to cover the cost of replacing the central heating pump, which had failed during a cold snap. The application process was sensible and the questions were relevant to my circumstances. The decision came through the same day and the funds were transferred to my account the following morning. I was pleased with the arrangement and the repayment terms were clearly set out before I signed. Should the need arise again I'd expect to use them.

Our boiler went and the engineer quoted more than we had in the bank. Needed something that would pay out before the weekend. Form was simple, I'd already got my payslips and bank statements ready, and it was approved same day.

Got a decision within about ten minutes which honestly surprised me. The form asked for a lot of the same info twice though and it timed out once so I had to start again. Money came through the next morning and that's all I cared about.

Got approved for a loan to pay for a new laptop for uni, which was the main thing. The actual process was fine, the money came through quickly. The app keeps logging me out though and I had to ring them to check a payment had gone through, they were nice about it. Would still use again.

Been using them for about six years now. The thing that always stands out is how the money lands on the date they give you. Application is the same as last time, no surprises, and the repayments come out on time.

Compared it with my overdraft and the total cost over the term came out lower, which surprised me. The application took about ten minutes and the money came through the next morning. Nothing hidden in the terms that I could see, and the repayment dates matched what they said. Did what I needed for a small bill.

We needed a way to get a decent amount of money quickly for the house deposit and my usual bank wouldn't budge. Applied on the site on a Tuesday evening, had a decision by the Thursday, and the money landed in our account the next working day. Repayment schedule is clear and the statements are easy to read.

Had a look at three other lenders before choosing this one and this was the clearest about what I'd pay back. The application was quick, took about twenty minutes in the evening, and the decision came through overnight. Payments are set up the way I asked and I've not had any trouble with them.

Took a loan to cover some unexpected bills and the money arrived when promised. The total you pay back is higher than I was expecting, so check the figures carefully before you sign. It did the job but I'd look at a few other options first next time.

Honestly the speed of it is what got me, I had the approval through in like ten minutes on my phone. Didn't have to upload loads of documents either, just the usual bank details. Money landed same day. Easy, no faff, would use again if I was ever short before payday.

Took a small loan to cover the car MOT and a new set of tyres. Application was quick and the cash hit my account before lunch. Nothing to complain about, just wish the app had a dark mode.

I'd say they're my go to for a short loan now, having used them on and off for years. Application is always quick and I've never had a problem with a payment. Renewal was simple when I needed a second loan.

First time borrowing from them and it was straightforward from start to finish. The application took maybe fifteen minutes on my phone and I got updates by text at each stage. Repayments come out on the date they said they would, no surprises.

Took out a small amount to cover a gap until payday. The total cost was lower than what I'd have paid on a credit card for the same time. Application took a few minutes and the money came in the same afternoon.

Needed the money for a car repair so I went ahead and applied. The form asked for documents twice and then the decision took nearly three days, which felt much longer than promised. When the money finally came through it was fine, but the wait was stressful and I'm not sure I'd bother again.

The renewal reminder came through and I was dreading it but the whole thing took about twenty minutes on my laptop. I put in my details, checked the cover was the same as last year and the price came down a bit, which was the main thing for me. The confirmation email arrived straight away with the documents attached, so I didn't have to chase anyone. Happy with that.