Petit Fernand

Needed a loan to get the van through its MOT and sorted out a rear brake job that the garage had quoted. I wanted something I could pay back in fixed monthly amounts without it eating into the weekly budget. Applied on my phone, got the decision the same day, and the money was in my account the next morning. Repayments come out on the date they said they would, which is all I really care about.

Compared with the bank I used for my last loan this process is far less of a faff. The quote came back in minutes and the paperwork was mostly done online with no printing needed. I had the funds in the same week I applied. Fair and clear pricing as far as I can see.

Needed cash for a train ticket home and the app was so quick. Did it all on my phone in my lunch break and the money was in by the afternoon. Easy.

Took out another small loan to cover new tyres and an exhaust on the old van. This is my third time with them now and the process hasn't changed much, which I like. The only thing I'd flag is that the first payment date came a few days later than I expected, though the money itself arrived on time.

The interest rate figure is shown up front as an APR, which I always check first, and it matched what I was actually charged. I've worked in finance admin so I notice these things. The funds were in my account the same day approval came through, which is quicker than my usual bank.

I've used a few lenders over the years and this is the one I keep coming back to. Compared with my old high street bank, the online form is far less of a faff and I get a decision in a day rather than a week. Customer support picks up when I ring, which is more than I can say for most. Repayments have never been late on my end.

Did the whole application on my phone in the bus queue. The approval came back in about ten minutes and I was able to choose the payment date. Money in the account the next day.

I work in insurance so I know what a fair premium looks like, and the quote I was given matched what I'd expect for the cover. The policy wording is clear and the key facts page is useful. My only niggle is the app is a bit slow to load the documents on older phones. Otherwise the cover came into force straight away as stated.

Took out a small personal loan through them last month to cover a boiler repair and I was surprised how quick the application was, took maybe ten minutes on my phone. Approval came the next morning and the money hit my account the day after. The only bit that dragged was waiting for a document check, they asked for a payslip twice because the first upload was blurry. Repayments come out on the date I picked so far.

Really happy with this, I'd use them again. I'd never borrowed online before and I was nervous about it, but the whole thing was clear from start to finish. I was told the decision within the hour and the money landed in my account the next working day. The repayment dates are shown in the app so there are no nasty surprises when the payments come out.

The first thing I noticed was the account page, it shows everything in one place, which I didn't expect from a lender. Applying was fine and I got an answer quickly. The bit that let it down a little was that I had to upload my payslip twice because the first photo was too dark to read.

I needed to cover a dental bill that came in unexpectedly and wanted something I could repay without stress. The application was done online and I got a decision the same afternoon. The money reached my bank the next working day. Repayment amounts are clearly listed in the account area so I always know where I stand.

The repayment calculator on the site is what sold me, it showed me the exact monthly figure before I applied. I wanted something I could afford without stretching the budget. It did exactly what I needed and I went ahead the same evening.

Switched my contents insurance over to them when my old provider put the price up by a fair bit. Got a quote in a few minutes and the policy was cheaper for the same cover, which is what I was after. The welcome pack came through by email straight away and I could download the documents without signing in again. Nothing to complain about so far.

My car needed an MOT repair that wasn't in the budget this month, so I needed some money fast. I looked at three lenders and this one had the clearest terms and no hidden fees on the summary page. Applying took about fifteen minutes and I had the funds the following afternoon. Simple enough and I'd use them again if I was in the same spot.

Used the loan to pay for a new boiler after ours packed in during the cold snap. I've been with them a few years now for smaller bits and this was the biggest I've taken out. The money came through the same day I got approved and the repayments have come out exactly when they said they would.

Compared with my old lender, the application here is much quicker and asks for fewer documents. I only had to upload a bank statement and a payslip rather than three months of everything. Approval took two days and the money was in my account the morning after. The only thing I'd have liked is a clearer timeline shown at the start of the process.

First time using them and honestly the application itself was fine but I got stuck at the bit where they wanted proof of address. Uploaded a bill, then got a message saying it was the wrong date range, so I had to find an older one. Took about four days back and forth by email before anything moved. The money came through once it was approved, but I wasn't expecting the delay.

Got a car loan through them for a second-hand vehicle and the initial application was easy enough, took me a good twenty minutes with the paperwork. Approval came through in a couple of days, which was fine. What let it down was the wait for a reply when I had a question about the first payment date, it took nearly a week to get anyone to answer the email. Money came through when promised.