Intelligent Change

Needed the money to get my car through its MOT and fixed. Applied at night and had the money by the time I woke up. Only niggle is the emails came through to spam for me the first time, so I missed one.

We needed a bit extra to cover a family trip that came up with short notice, and I wanted something I could sort without going into branch. Applied from my phone in the kitchen and it was approved the same day. The money reached my account next morning, and the repayment amount was shown clearly before I agreed to anything.

Took out a small loan through the app to cover my phone bill and a overdraft fee. Was dead quick, done in like ten minutes on the bus. Money came through that afternoon, pretty happy with it tbh.

I compared a few lenders before going with this, and the monthly cost came out higher than one of the others. The application was simple enough and the paperwork was fine. Money arrived on time but I'd have liked a better rate for the amount I borrowed.

The detail I appreciated most was the breakdown of each repayment, showing interest and capital separately. It is laid out sensibly and I could follow it without ringing anyone. The application was straightforward and the funds arrived as agreed.

I'd already been quoted by my bank and a couple of comparison sites before trying these. The rate here came out lower and the application took a fraction of the time, with fewer forms to fill in. Money arrived in my account overnight and the repayment schedule matched what I was shown upfront.

I looked at three other lenders first and this one wasn't the cheapest by a fair margin. The application took ages because the bank details page kept timing out, and I had to try twice before it went through. Once it was sorted the money arrived fine, so I'm reasonably content.

Before this I was going to put the cost on a credit card, which would have been a much higher rate for a few months. The loan here was cheaper and the fixed monthly payment made budgeting simple. Applied on my phone at work and it was sorted in minutes, money in the bank by the next day.

Quick verdict: really easy to use and the money was in my account the same day. Took out a small loan on my phone between shifts, filled in the details in a few minutes and got a yes straight away. Repayments come out on the date I picked. Nothing to fault.

Took out a small personal loan through the app on my lunch break and it was done in about ten minutes. Money hit my account the next working day. Only minor thing is the app kept logging me out so I had to start the form twice, but once I got going it was fine.

The statements were the first thing I noticed, each repayment broken down into interest and capital. Applied through the website and the approval took a little longer than I'd hoped because they wanted an extra bank statement. Once that was sorted the money arrived quickly.

First time using them, and I'd only come to them because a high street lender turned me down. The process felt a lot lighter than the traditional route with its branch visits and paper forms. The money came through a day later than they said, but the team sent an update.

Had a short gap between paydays and needed a bit to cover a bill that was due. Applied in the morning and had an answer by lunchtime, which was what I wanted. Took a bit longer than I'd hoped to confirm my bank details, but otherwise sorted.

I've had two loans with them over the years, the second one for car repairs. The paperwork is always the same so it's quick to get through now I know it. Payments come out on the date I picked and I've never had a query.

Tried to take a loan out through the app and it crashed twice on the bank details page, so I ended up doing it on the website instead. Once I got through it was fine but I lost a good chunk of time. Then I had to chase them by email for an update on whether it had gone through, and the reply took two days. Not impressed with that part.

Our boiler packed in over the winter and we needed the money fast to get it replaced. Applied on a Sunday evening, got a decision by morning and the funds came through before the engineer arrived. Repayments are set up clearly and the statements are easy to read.

Yes, this is a good option if you need money fast for a repair and want it paid off in set monthly chunks. I'd looked at a few lenders beforehand and the monthly figure here came out higher than two of them, though the total cost was clearly shown up front. The application was simple, the decision came through within the hour and the money went into my account the next day. I'd use it again if I needed to.

Been with them a good while and it's still the one I go to when I need a loan. Really simple to top up or change repayment dates through the account page. Staff on the phone are always patient when I've got questions.