83%Would buy again
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.
Read moreTried 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.
Read moreYes, 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…
Read moreNeeded 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 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.
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Intelligent Change is an online retailer based in the United Kingdom that sells a range of technology and gadgets aimed at everyday consumers. The company's website presents its products by category, allowing customers to browse and buy items for the home, personal use and gifting. Its range sits within the broader online shopping market and is sold directly to customers through its own website.
Intelligent Change ships its orders to customers across the United Kingdom and presents its delivery and returns information on its website. Customers who buy from the company can find product details and contact information on the site before placing an order.
