Tecknet

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.

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.

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.

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.

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.