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nipyata

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Reviews (20)

better value than the store finance

I was comparing this against the finance offer at the shop where I was buying a new washing machine, and the total repayable here came out noticeably lower. The application was straightforward and the money went to my account in two working days. For the price, it's hard to argue with, and it saved me a fair chunk over the term.

Paul P.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.0 people found this helpful

Decent rate if you have a clean record

Good rate, good speed and no nonsense, which is what I want from a lender. I've used a few over the years and this one processes things quicker than most. The app could do with a better way to see the next payment date at a glance, but otherwise I've no complaints.

Darren V.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

Paid off my phone bill

Used them to cover a phone bill I'd fallen behind on and it hit my account in about two hours. Signing up was on my phone and took maybe ten minutes, no faff. The app shows what I owe and when so I can't forget. Would use again if I ever needed to.

Caitlin Y.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

Approved but the money took ages

Application was quick and I got approved the same day, which was good. The money didn't arrive until nearly a week later though, and when I rang the support line I was on hold for ages. Not the experience I was expecting.

Jack C.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

the rate calculator is spot on

The rate calculator before you apply is the first thing I noticed and it matched what I was actually offered to within a fraction. I've borrowed from a few lenders over the years so I know what a fair APR looks like. The repayment schedule was easy to set up, direct debit date chosen by me, and it's been smooth since. Good stuff, no complaints from me.

Matthew C.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

Cheaper than the credit card

This was a lot cheaper than putting the same amount on my credit card for a year. I compared three lenders and this one came out ahead on the total cost. The application was simple and the money came through quickly, though the amount I was offered was a little below what I asked for.

Precious C.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

Sorted my car repair

Needed the money for a gearbox repair on my van and I already knew how these loans work from the last time. Application took about ten minutes and the approval came quickly. Repayments come out on the date I picked and the statements are clear. Nothing to grumble about.

Piotr H.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

needed it for rent

Short notice rent problem so I needed the money sorted today. Filled it in on my phone during my lunch break, approved quick, and it was in my account before I got back to my desk.

Stephanie P.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.6 people found this helpful

A small personal loan for the car

I took out a small personal loan to cover the cost of getting our old car through its MOT and some repairs. The payments come out on the same date each month, which suits me. The only frustration was that the confirmation email took longer than I'd have liked to arrive, so I had to ring to check it had gone through.

Denise J.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.4 people found this helpful

Sorted in a day

I was rather worried about applying online at my age but the form was perfectly clear and the questions made sense. The decision came through the same afternoon and the money was in my account by the next morning, which I did not expect. The adviser on the phone was patient with me when I asked a few questions. I would happily use them again.

Kathleen R.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

quick and no fuss

Really glad I went with them for the loan that covered our wedding deposit. Approved within the hour, the money hit the account the following morning, and the payment reminders were sent a few days ahead of each due date. Nothing went wrong and I'd take the same route again without a second thought.

Natalie D.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.4 people found this helpful

Needed a loan fast for the boiler

Our boiler packed in on a Tuesday night and we needed cash for a replacement quickly, so I went looking for a lender that could move fast. I filled in the application on my laptop in about ten minutes and got a decision the same afternoon. The money landed in our account two working days later, which was exactly what I was hoping for.

Lauren C.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.5 people found this helpful

quick loan for a phone

Needed a loan to replace my phone after it got smashed. Applied on the app in the car, approved in minutes, money in the account by morning. Repayment dates are clear in the app, which is handy.

Megan S.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

small loan for the car insurance

Needed a small loan to pay for my car insurance renewal, which had gone up a lot this year. Looked at a few options before picking this one, mainly because the monthly figure was clear upfront. Money arrived the same day I was approved.

Kerry N.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

The app shows everything clearly

The best bit is the app, it shows exactly what I owe and when, which I like. Took a few days longer than they said for the money to arrive though, so I had to chase it.

Katie P.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

First time borrowing

I needed help with a deposit for a flat and had never taken out a loan before, so I was nervous. The site explained each step as I went and the eligibility check didn't leave a mark on my credit file. The money arrived the next working day. Glad I found them.

Rachel F.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

A better rate than my bank offered

I was surprised to find the rate here was more favourable than what my bank quoted me for the same sum. Going through the process online was simple enough, and I was grateful for the clear summary of charges before I committed. The funds were in my account promptly.

Gillian H.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

Best of the lenders I looked at

Honestly, this is the one I'd pick out of the ones I compared. The rate was competitive, the form was quick, and the paperwork was all handled online without any faff. I'd say it's the most straightforward option of the lot for a loan this size.

Carl F.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

Needed cash for a school trip deposit

My daughter's school trip deposit was due and I was short, so I needed a loan that would land in time. I compared a few lenders on comparison sites and this one was the most sensible for the amount I wanted, with a repayment I could manage around my shifts. The approval took longer than I'd hoped because they asked for an extra bank statement, but the money did arrive before the deadline.

Amber B.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.2 people found this helpful

Better than the high street bank

I had been quoted a fair bit more by my bank for a similar amount, so I tried this site instead. The sign up took a few minutes and the approval came through quicker than I expected. The only thing I'd flag is the fee is a bit higher than a bank would charge, but the speed made up for it.

Dev D.
AI-generated sample. Written by AI as an example, not by a customer. It doesn't count towards the rating.1 person found this helpful

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