Lifecharms

Compared to the other lenders I priced up, this one ended up cheaper in total, which is what mattered to me. The application took a while to fill in and the site kept logging me out. Funds came through the next day with no fuss.

The first loan I took through a comparison site was from these, and I went for them because the rate was the best of the four I checked. The form was longer than I expected with lots of questions about my income. Once approved the money came through quickly and the repayments have been fine.

Good enough for what I needed, money came through fast. Application was a bit fiddly with the ID upload but got there in the end. Would use again if I needed to.

Out of the three I compared, this was the clearest about fees and the quickest to get a decision. Application was done on my laptop in one sitting. Money arrived the next working day. Very pleased.

Application itself was fine but the checks dragged on for a few days longer than they said they would. Had to send in payslips twice. Once it was approved the money turned up as promised.

I needed a little help covering some unexpected bills this winter, and a friend suggested I look into it. The application was straightforward and the team were polite when I rang with a question. The money arrived promptly into my account. I'd happily use them again should I find myself in the same position.

What struck me most was the repayment schedule, which set out every payment and its date in a neat table that I was able to print off for my file. I found the whole process courteous and straightforward, and the staff answered my questions patiently when I rang. I would be happy to use them again should the need arise.

Compared with my bank's overdraft, this was a lot easier to understand, with the total cost shown before I applied. The loan approval came through the same day and the funds were in my account the next morning. Good, simple process all round.

Compared with a couple of other lenders, this one was noticeably more expensive once you add up the total repayable. Application was quick enough and the money came through fine. Just wish the cost had been easier to spot before I got to the final page.

I took out a loan to replace our boiler, which had packed in over the Christmas period. The online form asked a good many questions but was easy enough to follow, and I was grateful for the clear summary before I signed. The money came through to my account a day after approval, which was very helpful given the circumstances. I would consider them again.

What I noticed first was the text reminder the day before each repayment, which I didn't expect and which has stopped me going overdrawn. Signing up took a few minutes on my phone. The money went into my account quickly. Nothing has gone wrong so far and I'm pleased with how it's gone.

Needed a bit of cash for a flat deposit and this came up first. Filled in the form in the lunch break, approved by teatime. Money in the account next day, so the landlord got paid on time. No complaints.

Loan got approved in about ten minutes and the cash was in by the next morning, which saved my bills. Sign up was dead easy on my phone. Would get it again if I was ever stuck.

Got the cash in my account by the afternoon, which is the bit that counts. I compared three providers and this one came out with the clearest total cost. Would go back to them if I needed to.

The total amount repayable was shown up front, which made it easy to compare against my overdraft. The loan came through within the day, so no complaints there. Interest is on the higher side compared with a credit union, but for a short term loan it still worked out sensibly for me.

The specific thing I valued was how the instalment schedule was laid out, with each payment and its date set out in a table I could print. I took a small loan for home repairs and the application was straightforward. The money reached my account the next day. I felt the whole thing was handled with care.

Needed a quick loan for my laptop and rent gap before student finance landed. Took ages to get the bank details sorted and the app kept logging me out, so annoying tbh.

Needed a loan to cover my car repair and this was the first thing that came up. Applied on the app, got approved in like twenty minutes, money in my account next morning. Repayments come out on the date they said they would, no drama at all, which is what you want.

Looked at a few other sites before settling on this one, and the main reason was it showed the monthly figure before I had to put my details in. The application took about twenty minutes on my phone, and the money landed the next working day. Only niggle was the reference section asked for two contacts with full addresses which took me a bit of digging to find.

Needed some money to cover a rent gap before payday and couldn't wait around. Applied late at night and had an answer by the morning. Funds were in by lunchtime. Nothing else to say really.