Bewley and Ritch

They are the ones I'd go back to. I compared three lenders before choosing them and their rate was the lowest once I'd added up the fees. Signing up was painless and the paperwork was clear. Money landed in the account on the agreed date.

I have been borrowing from them on and off for about eleven years now. The thing I value most is that the repayment dates have never moved without me asking. Every statement arrives on time and the online account is simple to check. Nothing has ever gone wrong that I can think of.

I had been with my building society for years, and compared with them this was far more straightforward. The online form did not ask me to repeat myself, which I appreciated. The only small irritation was the wait for a callback on the day I wanted to ask about a fee, but they got back to me before close.

Needed cash for rent after my hours got cut and I was properly stressed. Filled in the form on my phone during my lunch break and it was dead simple. Approved and the money came through the next day, which saved me. Only thing is the interest is a bit steep compared to some, so I'll be paying it off as fast as I can.

Applied for a small personal loan through their website. The form was easy enough but the approval took nearly a week, and I had to email them twice to find out where it had got to. Money did arrive in the end, just later than they said it would.

Consolidating three credit cards into one loan was the reason I went looking. The rate beat what I was paying across all three, and the offer came with a clear monthly figure I could plan around. The first payment was set up automatically and the old cards were paid off within a week of the money landing, exactly as described.

First time I'd ever borrowed anything so I was nervous. What stood out most was the repayment calculator on the site, it showed me exactly what I'd pay each month before I applied. The application took about twenty minutes and the money hit my account two days after approval. Customer chat answered my daft questions quickly too.

Went with them to remortgage our flat and I'd done this twice before so I knew what to look for. Their valuation came back at the figure we expected and the offer letter arrived within the week, which was quicker than the last lender. Solicitor liaison was clean, nothing got chased twice.

Compared with my bank's online loan, this was a lot quicker to get sorted. Approval came back in minutes and I had the cash the next morning. Could not ask for much more.

Our boiler packed in over the winter and we needed the money quickly to get it replaced. The application itself was fine and the decision came through the same day. Getting the funds to the installer took longer than I expected, as they needed a few extra documents from us first, and that held things up for a while.