Secret Sales

Used them for a short loan and it's the most straightforward process I've had with a lender. Terms were up front, I could see what I'd pay back each month and the payment dates were where they said. The money came through the next working day.

The balance tracker on the app is what I noticed first, it shows every payment and how much interest has been taken off so far. Really handy for seeing where I stand. I've not had a single query from them since I started.

I checked the total cost against a couple of other online lenders before I applied and this came out cheaper over the same term. Sounds obvious but a lot of them hide fees in the small print. Here the figures matched what I was shown on the screen.

The repayment schedule is the first thing I looked at, and it lists each instalment with the date and the amount. I've had lenders bury that in the small print, so seeing it up front was a relief.

Compared it to the store card I'd normally use for a sofa and this came out way cheaper over the term, which honestly surprised me. Did the application on my phone in bed and it was simple enough. The money went into my account the following day and I've not had any issues with payments since.

Fine every time. Got my latest loan through without any fuss and the money hit my account the next morning. Customer line answered when I rang with a question about my payment date.

Verdict is good, I'd use them again. Took a short loan to cover a school trip bill and the process was quick. The only small thing is the confirmation email went into my spam folder so I had to look for it.

They're fair for a short-term loan if you pay it back on time. I've used a few lenders over the years and this one is quicker to get through than most. The repayment schedule was laid out clearly before I signed, no nasty surprises on the total.

Got a loan for a new laptop I needed for uni and the whole thing was done on my phone in the evening. Money landed in my account the next morning so I could pay the shop straight away. Repayments come out on the same day each month which is easy to remember.

Compared with paying the overdraft on my current account this worked out a good bit cheaper for the sum I needed. I checked the total repayable against two other providers and this came out lowest. Money arrived in my account the next working day.

Needed to pay for festival tickets and my payday was still a week off so I went looking for something quick. Filled the form in on my phone in about ten mins and the money was in my account by the morning, no drama at all, just the way I like it.

Used it to sort my rent when my shift got cut. Applied on the app and had the money in my account before bedtime. Easy to set up the repayments too.

Needed to pay for a new exhaust after my old one failed its MOT and the garage wanted the money upfront. A friend had a loan with them so I thought I'd give it a go. The application took about ten minutes on my phone and I got a decision the same day. Money went through to my account quicker than I expected.

Went for the instant option on the app after comparing two other lenders first. Application was done on my phone during my lunch break and the decision came back before I'd finished my sandwich. Funds landed the same afternoon.

The reminders are what I noticed first, the app pings me a few days before each payment so I'm not caught out. Took about five minutes to set up the loan and the cash landed the next day, which was quick enough for me.

Honestly the loan itself was sorted fast, the bit I liked most was how the repayment reminders come through the app a few days before each one. The application did time out on me twice though so I had to start again, which was annoying. Still got through it in the end.

Rate was fair compared with the other lenders I looked at and the money arrived the next day. The application had a few too many screens asking the same details twice though, which took longer than it should. Once it was approved everything else was fine.

Needed to cover a gap between contracts and my bank wasn't going to shift my overdraft limit. Looked at three lenders and this was the one with the clearest terms on the page. Applied on the app, approved within the hour and the money was in by evening.

Works out cheaper than the overdraft my bank charges for the same amount, which is why I went with them in the end. Checked the figures in the app before I signed and they matched. Money arrived the next working day with no fuss and the repayments come out on time.

Got the loan sorted quickly on my phone and the cash came through the next day, which was great. My only gripe is that when I had a question about an early repayment it took them three days to reply by email. The answer was fine when it came, just a long wait for something simple. Otherwise no complaints at all and the app is easy to use.