Love is a Rose

I got the credit card they do with cashback on the weekly shop and I've been using it for about four months. The cashback goes into the account at the end of each statement and I can see it in the app as it builds up. The card arrived in about a week and the PIN came separately, like it said it would.

I needed a bit of money to cover a dental bill and wanted to keep the monthly amount low. The sign up asked for a lot of documents but I got a decision the same afternoon. Interest is a bit above what I'd like, but the monthly figure fits my budget and I know exactly when each payment comes out.

Honestly the easiest loan I have ever taken out. I was nervous about doing it online but the phone line was open and a lovely lady talked me through the form. The money came through to my account by the end of the next working day, and the first repayment was exactly when they said it would be.

The interest rate was higher than I expected, like way more than the ads made it look. Didn't realise until I was filling in the form. Money did arrive the next day though, so no complaints there.

I moved an older credit card balance across to a fixed loan with them. The balance transfer went through in about four working days, which was a bit longer than I'd hoped, but the monthly amount is lower and it's paid off in a set time. Bit of a fiddle to close the old account but that's down to the card company.

I'd been thinking about a loan to do the kitchen and got quotes from my bank and two comparison sites. This one came out cheapest once you add up the total repayable. The whole thing from application to money in my account took under three days.

Got approved on my phone during my lunch break which was nice. The money landed the next morning. Only thing is the app kept logging me out when I tried to check my balance.

The monthly figure was the thing that got me, it was a fair bit lower than the two comparison sites I'd checked for the same amount. I'd been put off by the stories about hidden charges but the total I was quoted matched what I signed for, so that was that. Money hit my account the next working day, which was quicker than my bank managed last time I borrowed. Bit slow on the first call to their helpline though.

Had a look at two other lenders before settling on this one, mainly because the rate looked decent on the comparison page. The application was done online in one sitting and I got a decision that evening. Repayments are set up on direct debit so I don't have to think about them, which I like.

Compared it with my bank's overdraft and a card I already had, and this came out cheaper for a short term loan. Applying was quick and the money hit my account the next day. The only bit I didn't love was how long the closing letter took to arrive, but the account itself has been fine.

I've used them for a small loan twice now and both times it has been sorted quickly. The paperwork was minimal and the team on the phone were patient with my questions. Happy to go back to them if I need to.

Was short for rent and this was the first thing that came up. Quick form, got a yes, money came through fast. Repayments are on the date I picked so nothing weird there.

Needed something to tide me over the gap between renewals so I could keep the car insured. Bought a monthly plan online and it was live within the hour. Cancelling was as simple as signing up.

Honestly it does what it's meant to, but I'd not put it at the top of your list if you're in a hurry. My first application sat for almost a week before anyone looked at it and I had to email twice. Once it was approved the money landed the next working day and the repayment schedule was clear.

I looked at a few options before going with this. The monthly figure looked fine but the total cost ended up higher than the building society offered me. The application itself was straightforward and the funds came through when promised.

I'd used a well known high street bank for a personal loan before and the rate on this was lower, and the whole thing moved much quicker. The app showed exactly where the application was up to, which the bank never did. Repayments come out cleanly and the balance updates straight away.

Took out a short loan to cover a car repair that couldn't wait. The form asked for my payslips and bank statements, which was a bit of a faff, but the decision came through the same afternoon. Money was in my account by the morning and I've been paying it off on the date each month.

We needed a bit of cover for the boiler after the last lot of repairs got expensive, and I've been with them since my first flat. Renewal came through on time, the reminder email was clear, and I haven't had to chase anyone once. Easy.

Compared it against the usual comparison sites and this came out a little less per month for the same loan size. The sign up was quicker than I expected and the funds landed the same day. I had to ring once to change my repayment date, which took a bit longer than I'd have liked.