Tecknet

Never borrowed online before so I was a bit nervous, and I took out a small loan to cover a broken washing machine. The form asked for a lot of ID photos which took ages to upload. Approval was fine but the funds took two working days, which was longer than I expected.

Needed cash fast to cover rent after my hours got cut. Applied on my phone during my break and got a decision pretty quickly. The money took a bit longer to show up than I'd have liked, around a day, but it did arrive and the payment plan is simple enough.

I find them perfectly sound and dependable, which is more than can be said for some. The application was courteous and the adviser who called me back explained everything without rushing me. The funds were in my account as promised, and I've no complaint about the arrangement.

Signed up on my phone on the way to work, took maybe five minutes and the form autofilled most of my details. Money was in my account by teatime which was quicker than I expected. Only thing was the verification email went to spam so I had to hunt for it.

They've been my go-to for small loans for about six years now. Applying again was quick since my details were already saved, and the money came through within the hour. The only niggle is the customer phone line can be a wait at lunchtime, but the online chat usually sorts things out.

I've been a customer for a good while, and I got a loan to help cover some home repairs. Getting the money took longer than I expected, with the approval hanging about for close to a week. When I rang to ask what was holding it up, I was passed between two people before anyone could tell me. The loan itself is fine and the repayments are clear enough, but the wait was a real worry at the time.

The detail that struck me was how plainly the repayment plan was set out before I signed anything, with each instalment and the total cost listed in one place. The application was courteous and the approval came through without fuss. The money arrived on the day I was told, and I've had no cause to query any of it since.

I tried a few lenders before this one and this was the simplest to get through. The checks were quick and the decision came back the same afternoon. The money arrived the next morning and the payments are easy to keep track of in the app.

Needed to cover a dentist bill that came out of nowhere, so I took a loan. Filled in the form on my phone while waiting for the bus, and I had a yes within minutes. The money went into my account the same day and the monthly payment is set up automatically, so I don't have to think about it.

The loan did what I needed, which was cover a deposit on a flat and let me pay it off in steady monthly chunks. I've looked at a lot of lenders over the years and this has the clearest terms. Application was smooth and the money came through the same afternoon, with the repayment dates matching exactly what I was told.

Compared to my bank's personal loan, this came out a bit dearer on the interest, though the bank wanted three weeks and a branch visit. I went for the speed. The money came through quick enough but the customer chat took a while to answer when I had a question about an early repayment.

Got a small loan on the app to sort out my phone bill, which was getting out of hand. Signed up on the bus, took like five minutes, and the money was in my account the same afternoon. Repayments come out on the date they say and I can see the balance on my phone. Dead simple.

Compared to my old bank app this was miles quicker to set up, took about four minutes on the bus and the money hit my account the same afternoon. Only thing was the ID photo step kept timing out so I had to retry it twice, but got there in the end.

First time borrowing from them, got a small loan to cover a phone contract mix-up. The sign-up was quick and I was approved within the hour. Only small thing was the emailed agreement was hard to read on my phone, so I saved it to my laptop.

Compared with the comparison site I'd been using for years, this one worked out a fair bit cheaper once I added up the fees for the full term. I'm watching every penny since I retired. The payment schedule was clear and the balance came down as it should.

Had a fair bit of experience with online credit by now, so I knew what to look for, and the way the booking screen showed each step was clear. I picked a slot for the boiler service and got a confirmation email straight away with the engineer's name. The engineer turned up in the window they gave me and explained what he'd done, which is more than I can say for some of the others I've tried.

Needed a quick loan to cover a car repair that wouldn't wait. I looked at three other lenders first and they all wanted paperwork I didn't have on hand. This one was fine but the rate was a bit on the high side and the approval email took longer than they said.

The app kept timing out when I tried to upload my payslips, so I had to switch to my laptop and do it there instead. Once I got past that the approval came through within the hour and the money landed the next working day. Customer chat was helpful when I asked about the repayment dates, though I did wait a bit longer than I'd like to get a reply.

I took out a loan to pay for a new boiler after ours packed in over winter. The total repayable was clear from the start with no nasty surprises, and the monthly payment came out on the date they said. Set it up on my phone at night and it was done before I went to bed.

Compared with the other borrowing apps I had on my phone, this one worked out cheaper once I added up the fees for the full term. Signing up took a few minutes and I was given a decision straight away. The money reached my account the next morning and the repayment reminders have been spot on.