Lamicall

I can say without hesitation that the whole arrangement went smoothly from beginning to end. I was a little anxious about applying online, but the questions were straightforward and I was able to speak to someone when I had a query about the first payment date. The funds reached my account promptly and the repayment schedule has been exactly as described.

Compared with going to a high street lender, this was much less of a palaver. I didn't need to sit in a waiting room or post off any paperwork. The terms were laid out plainly and I was told exactly what I'd repay each month before I signed.

Got a loan approved on my phone during a break between meetings. The top of the app shows you the repayment schedule before you commit which saved me asking anyone. Money hit my account the same afternoon and I didn't have to speak to a single person.

First time I've ever borrowed anything, so I was nervous. The eligibility check was quick and the terms were laid out in plain English. Took a bit longer than I expected to get the final sign off, around a day, but the money came through after that.

Compared with my bank's personal loan, this was far quicker and I didn't have to visit a branch or wait on a call back. The rate was a touch higher than the bank offered me, but the bank took nearly a fortnight. Money arrived in a day. Repayments come out on the date I picked and I got a reminder beforehand.

The loan did what I needed, I wanted to cover a new set of tyres and an MOT before the summer. The money came through quick enough, same day, which I was pleased with. Had a look at a couple of other lenders and their interest was a fair bit lower for the same amount over the same term. Not terrible, but I'd check the rate properly before signing.

Needed the money fast because my car needed a new clutch and I couldn't get to work without it. Applied on the app at lunch and it was approved within the hour. Money went into my account the next day and I've had no issues since, repayments come out on time.

Fine for a quick loan, got the money for new tyres and an MOT before summer. Signed up on the app in about ten minutes while waiting for the kettle. Money landed the next morning, didn't have to wait on a call back or anything. Only thing that annoyed me was the interest works out a bit more than my mate's credit union would have been, so it's not the cheapest. Still happy enough with it.

I took the top up option on my existing loan rather than starting a new one, which saved me filling in everything again. The balance showed up on the same day I was approved and the new repayment schedule was in my account within the hour. I know these products well from work and this one is set up properly, no surprises in the small print.

Needed money for my phone bill and rent so I went for it. Application was fine but then they wanted loads of documents and it dragged on for three days before anything happened.

Used the loan to fix a dodgy exhaust on my van, the garage wanted paying the same day. Filled in the form on the site and approval came back in a few minutes. Money reached my bank on the next working day, sorted.

Compared with a credit card cash advance, this was far cheaper and the monthly payment was fixed so I knew where I stood. Application was done in one sitting and the funds went into my account the next working day. Nothing unexpected showed up afterwards.

Brilliant, the money was in my account before the end of the day. Applied on the site on my phone while waiting for the kettle to boil. Repayments come out on the date I picked and I haven't had a single problem with them.

We needed to cover a dental bill and a boiler service that landed in the same month. The rate was sensible for the amount and the total repayable was shown up front. Application was quick and the money arrived the next working day.

Went with this instead of my bank overdraft and it was a lot cheaper in the end, my overdraft charges were getting silly. Applying was dead easy and the money landed the same week. Feels like a proper grown up way to borrow.

Took out a small loan to replace the washing machine and the application was simple enough. Approved the same day and the money came through the next working day. Monthly payments are as shown.

We needed a bit of cash to cover the boiler repair before the weekend and the car insurance was due the same week. The application took about ten minutes on my phone and the decision came through that afternoon. Money landed in our account the next working day, no fees I could see, and the repayment dates are clear on the app. Exactly what we wanted for the price.

Typing this on the train so forgive the typos. Needed cash for my car insurance and the loan came through quick, the form took under five minutes and the money was in by the next day. Repayments come out on the date I chose.

The soft check didn't leave a mark on my credit file which was the first thing I looked for, and I was relieved. The eligibility screen told me straight away what the offer would be, no waiting around. Applied through the app on my lunch break and had the whole thing sorted before I got back to my desk. Real relief.