PassFab

I've been with them a good few years now and the repayment reminders are the thing I value most. The rate is a little higher than my credit union offered, but the process has always been quick. The app could show the remaining balance more clearly on the front screen, which would save me digging about. Otherwise I've had no real problems.

I'm afraid the high street lender I'd used before was far more fussy about paperwork, so this was a welcome change. The whole process was done online and I didn't have to traipse into town. The funds reached my account promptly and the statements are easy to follow. I'm grateful for the courteous phone support.

Took a loan to consolidate a couple of credit cards and I know the lending market fairly well from my job. The rate was competitive for my profile and the affordability assessment was done properly, not a box ticking exercise. Funds reached the creditors' accounts quickly once I'd confirmed the payments. The online account shows the balance accurately.

Compared with my bank's loan process this was far quicker, since the bank wanted three weeks and a branch visit. The interest was about the same as the bank's, so the difference was really the speed and not having to sit with a manager. Money came through in one working day.

The app is quick and the loan was paid into my account the same day. Took about five minutes start to finish, typed it all in on my phone while waiting for the kettle.

I needed help with some unexpected bills after my husband's hours were cut, and I wanted something I could manage. The application was clear and the team were kind enough to talk me through the options. The funds arrived as promised and the repayment plan suits my budget well.

Good, but a bit pricey compared with what I'd seen elsewhere, so I'd check the total repayment before signing. The money came through quickly and the repayments have been fine. Support replied the same day when I had a question about the schedule, which I appreciated while I was on the go.

Way quicker than my old lender, I applied on a Sunday night and had an answer before I'd even made a cup of tea. Money landed the next working day, which honestly felt mad. Repayments come out on the date they said they would, no fuss. Only thing is I wish the app login was less fiddly, but it's sorted now and I'd use them again.

Fair enough service and the repayments went out on time. I've taken out loans before so I knew roughly what to expect, but the fees added up more than I'd like once you factor in the late payment charge I got by accident. Customer service was helpful about it though.

Took a personal loan to cover my deposit when I moved flats. Applied through the app on my lunch break and it was approved before I'd finished my sandwich. Money was in my account the next morning and the first payment reminder came through clearly.

Got approved in like ten minutes at midnight while watching telly, which was mad. The app is dead easy to use and the payment hit my account first thing. Only thing i'd say is check the due dates, i nearly missed one, but that's on me. Would take a loan from them again no bother.

I have been with them for about six years now, and what stands out to me is how clearly the repayment schedule is laid out from the very start. There's no guesswork about what's coming out and when. When I had a question about an early payment, the adviser rang me back the same afternoon and talked me through it patiently. I've never had cause to complain.

I looked at three other lenders before going with these, mostly on the total cost. Their rate came out cheapest once the fees were counted, and the decision came back fast. Money went into my account the same afternoon, no fuss at all.

The monthly breakdown is clear, which is what made me pick them over the cheaper looking lender. The cheaper one hid a fee in the small print and this didn't. The total cost came out a little more but I knew exactly what I was paying from the start. The money arrived on time and the statements are easy to read, though the late fee letter could be worded more kindly.

Needed cash fast after my phone screen smashed and i had no way to pay for the repair. Did it all on my phone during my lunch break and the money was in my account by teatime. Easy, would use again.

Fine for a first go, though the sign up took longer than I expected and I had to send over a payslip twice. Money landed in my account a day later than they said it would, which was a bit annoying but nothing serious.

Honestly I needed a loan to fix my car and I compared a few lenders before this one. The price was mid range, not the cheapest, but the approval was the quickest of the lot. The payment dates are clear and the money arrived the next morning. One small thing is the account page took a few clicks to find the payment history, but otherwise good.

Needed it for a boiler that died in February and I had no savings to fall back on. The loan itself was fine but the interest works out higher than what I'd seen from the bank, which stung a bit. The claim side of things was a nightmare though, I had to chase them three times before a payment went through and nobody picked up the phone for days. Not what I'd hoped.

Took out a short term loan to cover a car repair and the rate was clearer than most I've looked at. The affordability checks were thorough without being intrusive. Funds hit my account within the hour of approval. Good straightforward experience.