94%Would buy again
I took out a consolidation loan to bring three credit cards into one payment. I know this area quite well from years of comparing deals, and the rate and term were clearly laid out before I committed. The payoff letters went to my old lenders without me chasing anyone, which saved a lot of faff. Money arrived on time and the monthly payment is easy to track in the app.
Read moreThe first thing I noticed was the application took about fifteen minutes, longer than I'd like, because it asked for the same details twice. I compared a few lenders first and this one wasn't the cheapest, a bit more than the one I went with in the end. Once approved the money came through fine and the repayments go out on the right day. Good enough for what I needed, just not a bargain.
Read moreCompared to going over my overdraft with the bank, this worked out a fair bit cheaper for the amount I needed. The application was simple enough but took a couple of days to get a final answer, which was longer than I'd hoped. Once approved the money came through on the Friday and I've kept up the repayments without any trouble so far. Not the quickest, but the cost was what sold it for me.
Read moreI needed a quick loan to cover my deposit on a flat and had never borrowed online before. The form was clear and I got a decision the same afternoon. The only thing I'd flag is the repayment schedule took a bit of reading to understand, but the customer chat helped me sort it out and the money arrived the next working day.
Took a small loan to cover a car MOT and repairs, and the total cost was lower than the credit I'd been looking at. The sign up took a few minutes and the payment landed quickly. A bit of a wait for the first statement to show up in the app though.
I would like to say the process was straightforward, which it largely was. The application asked a few questions I had to think about, and the terms were laid out in a way I found reasonable. The payment reached my account a day after I was told it would, which I appreciated.
Compared to going over my overdraft with the bank, this worked out a fair bit cheaper for the amount I needed. The application was simple enough but took a couple of days to get a final answer, which was longer than I'd hoped. Once approved the money came through on the Friday and I've kept up the repayments without any trouble so far. Not the quickest, but the cost was what sold it for me.
Had a personal loan with them before so I knew the process well. The rate was competitive against what I'd seen elsewhere and the paperwork was quick. The only niggle was that when I emailed about moving my repayment date, it took about three days to get a reply. Once I did get through it was sorted, so it's a minor thing.
I'd say this was the best of the lenders I looked at, but it was closer than I expected. I compared three different ones before settling on it and the total cost here came in lowest. The sign up was fine, though one document upload kept failing and I had to try it a few times. Once through, the money came the next morning as promised.
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Napkins is an online retailer of table linen and dining accessories, offering napkins in a variety of fabrics, colours and finishes alongside tablecloths, placemats and related kitchen textiles. The brand sells its products through its website, where customers can browse collections by material, pattern and occasion. Its range is aimed at home cooks, hosts and people furnishing their dining rooms, as well as those buying for weddings, events and restaurants.
Napkins operates as a direct-to-customer business, selling online and shipping orders to customers across the United Kingdom. The company is known for its focus on textile quality and for keeping its product lines simple and easy to coordinate with existing tableware.
