Aceable

I took out a loan to consolidate two smaller ones and I'd used this sort of product before so I knew what to look for. Set-up through the site took about ten minutes, and I liked that I could choose my repayment date to line up with payday. Early on the app didn't show the new balance straight away, which was a bit annoying, though it updated by the next morning. Payments have gone out without a problem since.

Really easy first loan, the whole thing took about ten minutes on my phone and I got approved straight away. Money was in my account by the next working day. Repayments come out on the date they said they would, no surprises so far.

Compared to the comparison site I used first, this one took a lot longer to actually pay out. They asked for extra bank statements and I had to upload them twice before it went through. Customer support replied to my message after two days. Money did arrive in the end.

Honestly I was nervous about borrowing for the first time but the whole process was clear and nobody pushed me into anything. Application took me about fifteen minutes on my laptop after work. Money arrived in my account the following day and the repayment dates match what I was told.

Compared with the bank I usually use this was miles quicker and I didn't have to go into a branch. The application asked for fewer documents than I expected. The money reached me the same day.

The detail that struck me most was how plainly the terms were set out before I agreed to anything. I had a short wait on the identity check, which I understood was for my own protection. Once that cleared, the money reached my account the following morning. I would happily use them again should the need arise.

I needed something to cover a car repair that couldn't wait, so I'd already had a look at three or four lenders before picking this one. The application form was quick enough on my phone and I got a decision the same day. The only annoyance was that the app wanted me to re-upload a payslip that I'd already sent through, which cost me about twenty minutes. Once that was sorted the money came through promptly.

Needed the money to cover rent after a shift got cancelled, so timing was everything. Application itself was fine but the verification took most of a day and the upload kept failing on my phone. Funds came through the next morning which was just about okay, but I was stressed the whole time.

Bought the loan to clear a credit card balance and the total cost was a bit lower than the card was charging me. I paid a chunk off early and there was no fee for doing so, which I checked twice. The app showed me exactly what was left to pay each month.

The detail that stood out most was the person on the phone, who took the time to go through my repayment dates twice without making me feel silly for asking. I had been a little worried about the paperwork but the online form was laid out sensibly and I got through it in one sitting. The money arrived in my account the next working day, which I was grateful for. I'd happily use them again should the need arise.