Ceesy

I'd happily use them again for a loan of this sort, the process was clear and I was kept informed at every step. The application was done online and a member of their team rang me to confirm a couple of details, which I appreciated as I prefer a proper conversation. Funds were in my account within two working days. Repayments have been taken exactly as agreed, and I have had no cause for concern at all.

Honestly it was the sensible choice for what I needed, a loan to pay for the kitchen work. I've borrowed from them before and the process hasn't changed much, which I like. The only thing that dragged was waiting on a reply to a question about my income, it took a couple of days to come back. Otherwise the money arrived when it should and the repayments are straightforward.

I compared three lenders before choosing this one, mainly because the monthly figure on the summary page was the clearest of the lot. Took the loan for a new boiler and filled the application in during my lunch break. Got approved the same evening and the money was in my account by the morning. Repayments have gone out on time every month and the app shows me how much I've left to pay, which I find really helpful.

The application form is clear and the questions make sense, which I didn't expect from a lender. Approval came back quickly and the money went into my account the next working day. That's about all there is to say really.

Needed a loan to cover a new exhaust and a couple of other bits on my car before my MOT. This was my first time borrowing from an online lender so I was a bit nervous. Filled in the form on the site, got an answer back the same day and the money hit my account the next morning. The repayments come out on the same date each month and I've not had a single problem with them so far.

We needed a loan quite suddenly when the boiler packed in over the winter and couldn't be left. I filled the application in on the laptop one evening and was pleasantly sorted by the next morning, though the details page did ask me to confirm my address twice which I found a bit tedious. The money reached our account in good time and the repayment schedule has been clear ever since, so I'd not complain too much.

Compared to my bank's app this took ages, I applied on a Tuesday and didn't hear anything until Thursday afternoon. Had to send in a copy of my utility bill again because the first one wasn't clear enough. Once it was sorted the money came through fine but the wait was a bit much when I was in a rush.

This was my first time borrowing and the whole thing was easier than I thought it'd be. Compared to going into a branch it was miles quicker, I did everything from the sofa. Only niggle is the interest rate felt a bit steep compared to what I'd seen elsewhere, though the offer was clear about it upfront. Money arrived the next day and I've had no problems since.

We needed money quickly to cover the car going in for a new clutch and I'd been a customer with this lender for years on a smaller loan. It was simple to apply again since they already had my details, and the offer came through the same day. The cash landed in my account before lunch the next day. Repayments have been on time for years and I've never had a reason to look elsewhere.

The decision came back within about ten minutes which honestly surprised me, I've used a few lenders over the years and they usually drag. Application took maybe fifteen minutes on my phone, they asked for my payslips and bank statements and that was it, no faffing about with faxing things. Money landed in my current account the same afternoon. Repayment schedule shows up clearly in the app so I know exactly what's going out and when.