Lux

Money was in my account by the time I got home from work. Repayments are set up in the app and I haven't missed one yet. Would be a bit cheaper if the rate was lower but it's fine for what I needed.

The packaging was the first thing I noticed, it came in a proper box with tissue paper and a handwritten note tucked in the lid, which I didn't expect from a site like this. The order took two days to arrive and I was happy with that. The only small thing was the size guide, I had to guess a bit and went up one size. Would order again.

I used the loan to pay for a new boiler after ours packed in during January. The application was straightforward and I was told the decision within the hour, which I was grateful for given the cold. The money arrived the next working day and the monthly payments have never once been late on their side.

I'd been told it could take a couple of days to get the money, so I applied for a loan to cover a late train ticket and a hotel. I know a fair bit about how these loans are set up from my job in banking. The funds reached my account the next working day and the repayment schedule matched the contract exactly.

I used the funds to have the front room carpeted and it was all done with the money in place. The form was not too long and the decision came back before supper. The payments come out on the first of the month and they've never caused me any bother.

I'd like to say the whole thing was smooth, but the approval took a few days longer than they suggested on the site. I had to upload my payslips twice because the first photos were not clear enough. Once it was sorted the money arrived promptly and the repayments have been fine, so I'd still use them again.

I needed to cover some care costs for my mother at short notice and I wanted something I could manage without a branch visit. The process was clear and I was kept informed at each step. I'm grateful it went through so quickly.

Never bought from here before so I wasn't sure what to expect, but the checkout was quick and I got an email confirming the order straight away. It came in a padded envelope, nothing got damaged, and it arrived the day after I ordered, which was quicker than I thought it would be. The item looks just like the photos. Really happy with the whole thing from start to finish and I'd use them again without thinking twice.

They are the first place I go when I need a short term loan and I have used them on and off for about eight years. The money always lands the same day if I apply before lunch. Customer service has never kept me waiting long when I've had a question about a payment date, and the terms haven't changed in a way that caught me out.

I checked the high street place first and they wanted nearly double for the same kind of thing. Ordered here instead and the price was well under, and the quality seems fine after a few weeks of use. Nothing about it feels cheap. Sorted for the year and I'll keep coming back for basics.

Brilliant, got exactly what I ordered and it arrived in two days. The tracking updates were clear the whole way through. Easy to find what I wanted on the app too. Will be back.

We needed a bit of cash to cover the school trip and a car repair landing in the same month. I've been borrowing this way for years now and it still works the same. The approval is quick and the repayments come out without me having to think about them.

I compared a few lenders and the rate here came out lower than the other two I checked. Signing up took about ten minutes on my laptop. The only small hitch was the document upload, which kept timing out, but I got it through in the end.

Compared with the rates I saw on the comparison sites, this one came out a fair bit dearer once I added up the fees. The application itself was smooth enough and the repayment app is well put together. I'd have liked a clearer breakdown of the fees before I applied, which would have saved me some time.

Compared to the high street option I was going to use, this was miles quicker and I didn't have to sit in a branch. Applied on my phone on a Tuesday evening, had an answer before I'd finished my tea, and the money was in my account the next morning. Repayments come out on the date I picked, which is exactly what I wanted.

I was rather taken aback when a handwritten letter arrived with the paperwork, a kind touch I didn't expect from an online lender. The application itself was straightforward enough, though I did have to ring them twice as the online form kept timing out on me. Once approved the money reached my bank a day later, which suited me well. The interest is a little higher than I'd like but they were clear about it from the start.

I needed a short loan to cover a car tax bill and I wanted the cheapest total I could get. Signing up was quick and the money came through the same day. Paying off early cost me nothing, which is why I'd use them again.

I needed the money in a hurry for a van repair and I compared a few lenders before picking this one. The application was fine but I ended up paying more in total than I'd budgeted, and the early repayment charge caught me out when I tried to clear it. I'd been hoping for a cheaper deal and didn't get one.

I've been borrowing from them for close to a decade now and they're still my go to when money is tight. The money has never once been late and the repayments are simple to track. I'd say the process is as easy as it was when I first signed up, which is a good thing.