Briowater

Needed some cash fast for rent that was due and the site let me apply on my phone at like midnight. Approved straight away and the money was in my account by the morning. Easy.

Used the app to get a loan for my car insurance and got the money the same day. Honestly the app is really simple, took me like five minutes to fill in. Repayments come out on the right day every month. Sorted.

Compared with the last time I borrowed, this is the one I keep coming back to because the process hasn't changed much in a good way. Same login, same repayment dates, and the statements arrive in my inbox every month without me chasing them. I've taken out three loans now and each one has landed in my account quickly. Nothing to complain about.

The verdict is it's quick and easy, took about ten minutes to apply on my phone. Got approved and the money came through the next day. Only thing was the interest rate felt a bit high but I knew that going in so not a big deal. Would use again.

Needed money for an emergency car repair and this was the only one that gave me an answer before the garage closed. Done on my phone while waiting in the queue. Funds were in my account the same afternoon, so I could pay the mechanic and get the car back. Didn't need to speak to anyone which suited me fine.

Applied through the app for a small loan to cover a plumber's bill and the approval page was the bit that stood out, it said within minutes and then sat on pending for most of the afternoon. Once they did confirm the money landed in my account the next morning, which was fine. Got a text asking for a selfie halfway through and that added a few minutes to the whole thing. Would use them again if I needed to.

Compared it with two high street banks before going ahead, and the difference was the paperwork, which here was almost none. My bank wanted payslips, a letter from HR and three months of statements, whereas this asked for bank access and a couple of ID photos. The repayment schedule was clear from the start and I've not had any surprises since. Would go this route again.

Yes, good. Applied on the app at work, approved in minutes, money came through same day. Only thing is the app logged me out twice during the process so I had to start again, but once I got through it was fine.

I applied for a personal loan to help with a new stairlift for my mother, and I was rather disappointed by the wait. I was told a decision would come within the working day, but it was closer to three days before anyone got back to me, and I had to call twice to find out where things stood. The funds did eventually arrive and the repayments have been straightforward.

Shopped around a few lenders before picking this one and the monthly figure was the thing I noticed most, it came out a fair bit higher than one of the credit unions I'd looked at. The application itself was simple enough and the approval came back quickly. Customer support took a day to reply to my question about early repayment, which felt slow. Not terrible, just not the cheapest option I found.