WildBounds

The early repayment bit was the thing I wanted to check before I signed up and it was easy to find in the app. I cleared the balance nine months ahead of schedule and the figure they gave me on the day matched what the calculator showed, no surprise fees. The only niggle is the app asks you to confirm things twice, which gets a bit tedious, but that's a small thing.

Got a small loan to cover a new boiler part and the rate was fine for what I needed. The application took a while though, they wanted three months of bank statements uploaded one at a time and I had to chase them for a reply on a missing document, which took two days. Money landed the next working day once approved. Not bad value, just more paperwork than I expected.

Compared to the high street bank I used before, the whole thing with WildBounds was much quicker. I filled in the form on a Tuesday evening, had an answer by the next morning and the money was in my account by Thursday. The repayment dates were clear from the start and I've had no surprises so far, which is more than I can say for last time.

I needed the money quickly when our boiler packed in over the winter, and I'm glad I didn't have to wait around. The application was straightforward and the adviser who rang me was patient and clear about what I was agreeing to. Everything arrived when they said it would and I've been paying back without any bother.

Took out a small loan to fix my car's exhaust and it got me back on the road. The application on my phone was quick but the approval took a bit longer than I expected, like most of a day. Money landed fine after that and the app's easy enough to use.

Went with them over a payday option my mate uses because the rate looked better. The application form is really long though, took ages on my phone and kept logging me out. Once approved the money arrived quickly and the repayment schedule is easy to read.

Really simple process from start to finish and the money reached me the same day I was approved. It was my first time borrowing this way so I was nervous, but the site explained each step.

I've borrowed through a few providers over the years and this one lays out the costs in plain English before you commit. The affordability checks asked sensible questions. Funds reached my account on the agreed day and the repayments have gone out as listed.

I first borrowed from them years ago and needed funds again for a new fridge freezer, so I went back. The reason I stuck with them is that the process has barely changed and the people on the phone still know their stuff. Money came through as promised and the statements arrive on time every month.

Got approved and the money was in my account the same day, which is what I needed for rent. Checked the terms on the bus and it was all clear. Only thing is I wish the app showed the total owed on the home screen, but it's still the best I've used so far.

I looked at two other lenders before picking this one for a small loan to pay for a dental bill. The fixed monthly amount was what sold me, and the email confirmation with the schedule was useful. Cash came through the same afternoon and I've not had any problems since.

First time using them and I'd say the verdict is positive. Application took about fifteen minutes and the money went into my account before lunch. Terms were laid out before I signed so nothing caught me out.

I took out a small loan to help with my grandson's school uniform and some new shoes. The whole thing was handled politely over the phone and the adviser explained the repayment dates without rushing me. The money reached my account when they said it would, and I've had no reason to complain since.

Compared to my bank's overdraft it was faster and less hassle, got approved in about ten minutes. The only annoyance was the verification email landed in spam so I had to chase it. Money came through the next day though.

The app shows the balance and the payment dates clearly, that's the bit I noticed most. Signed up on the bus and got the money the same day. Fine for me.

We needed funds to get some emergency roof repairs done before the autumn rains started. I'd rather not borrow but it was the sensible option at the time. Application went smoothly and the money was with the builder within a couple of days, though the first reply to my query took a little while.

Took the loan to cover the cost of a new washing machine and the monthly figure works for us. Compared with the rates on the comparison sites it came out about right, and there were no hidden fees I could find. Money arrived on time and repayments have been taken without any trouble, which is all I wanted from it really.

The best bit is the app, you can see the next payment date and it sends a reminder the day before. Took me like five mins to sign up and I got the money the same afternoon, no complaints. Would use again if I need to.

Compared with the other option I'd looked at, this one came in a bit dearer on the monthly figure, which was a shame. The sign-up was simple enough and the money was in my account by the next working day. Changing the repayment date later was a bit fiddly on the site, you have to ring rather than do it in the app.

My son's school trip was suddenly more than I'd budgeted for and I needed the balance covered in a hurry. I'd never borrowed online before and was a bit anxious about it. The forms were easy to follow and the phone line answered when I had a question about the repayment dates.