The Spark Company

Needed it to cover my rent deposit for uni after my student loan was delayed. Applied at night on my phone and got a yes the next morning, which was a relief. Only downside was the reference check took a few days and I had to nudge my landlord. The repayment plan is easy to follow though.

Money in my account before lunch, which is the main thing for me. Filled it in on my phone on the bus, took about five minutes and the ID bit worked first go. Repayments are taken automatically so I don't have to think about it. Would do it again.

Our boiler packed up in January so we needed a loan for the replacement fast. The monthly payment is manageable and the total cost was clear before we signed. Money came through within a day, which got the engineer booked.

Applied for the personal loan to cover a dental bill and got the approval in under ten minutes while waiting for my kids to finish swimming. The money was in my account before bedtime. Easy to track the repayments in the app.

This was my first loan and I was nervous about it, but the whole thing was painless. The checks were explained as I went and the money reached my account the next working day. I know what I owe and when.

Compared three lenders before picking this one and it came out best on the monthly cost and the total amount repayable. The application asked for less info than the others, which saved time. Funds came through quickly and the repayment schedule is exactly as described.

I have been using them for a few months now and I am very pleased with the service. Ordering was straightforward and the team were most helpful when I had a question about my account. I would happily use them again.

Compared it to my bank's online loan and this was way quicker, got a decision while I was on the bus. Only thing that slowed me down was having to upload my payslip twice because the first photo was blurry. Money arrived same day after approval though so yeah, fine. Would use again.

Great, sorted, no complaints. Applied from the bus, approved while I was still on it, money in the account by the evening. Repayments come out when they say they will.

I took the fixed rate personal loan to consolidate two credit cards. The rate is lower than what I was paying and the monthly amount is the same every month, which makes budgeting easier. Only niggle was the paperwork took longer than I expected to sign, but the cost is fair for what you get.

Needed it for rent after my shift pattern changed and my usual cash was tied up. Applied on my phone at lunch and it was approved before I finished my sandwich. The money hit my account the same afternoon and the repayment dates are clear in the app, so I know exactly when it's coming out. Easy, no faff, would sort it again if I had to.

They are a clear and fair lender, which is what you want. The rate was shown before I committed and there were no surprise fees when I came to repay. I took a small loan for a car repair and the process was simple from start to finish.

Compared a few options and this one looked the most sensible on paper. The checks took longer than I was told, and I had to chase them by email twice before the funds were released. Once they came through the money was fine and the monthly amount is what I expected.

I have used this lender for a few loans over the years and the process has not changed much. This time the application took longer, with a couple of requests for documents I had already sent. Once approved the money arrived as usual and repayments have been fine.

Had a bit of a panic when I realised I'd typed my income wrong on the form and the site flagged it straight away in the app before I'd even submitted, which saved me a week of back and forth. Once I corrected it the rest just went through, the money landed the next working day and the repayment dates are set up exactly how I asked for them.

I know this area well and the rate here was higher than comparable lenders for a loan of this size. Compared to others I would have expected a lower total repayable. The application itself was fine and the money arrived on time, but the price is the sticking point for me.

I shopped around a few lenders and this was not the cheapest on the rate, but the approval was quicker than the others I looked at. The monthly figure is a bit higher than I hoped for. Otherwise the process was smooth and the money came through the same day.

The app is actually good, which I did not expect from a lender. You can see every payment and set a reminder so nothing sneaks up on you. Applied, got approved, money in the account, done.

Took out a loan to cover a new laptop and a few bills. The interest works out cheaper than putting it on my credit card, which was the main reason I went with them. Only annoyance was the statement arrived late by email, but payments have all gone out fine.

We needed cash for urgent roof repairs and I had compared a few lenders before settling on this one. The rate was a little above the cheapest I found, but the terms were sensible and the paperwork was not too heavy. Phone support took a while to pick up when I called with a question, but the answer was helpful.