Clocom

Took out a small loan for my deposit on a flat and the application was done on my phone in one go. Got the approval the same day and the cash landed the next morning, which was class. Repayments are monthly and the reminder texts actually help.

I needed to consolidate a couple of credit cards that were costing me a fortune in interest. Put the figures into their calculator first and the monthly payment came out lower than what I was paying across the cards. Money went straight to the creditors which saved me a phone call each, and the total cost over the term is clear before you sign.

Compared them against a bank loan I'd been quoted and the bank was a bit cheaper on paper. Their approval came through much faster though, which mattered for what I needed. The only niggle was the app kept logging me out during the ID upload, so I had to start it again twice.

They're the lender I've used for about six years now and I've had no real problems. Every loan so far has gone through without fuss, the staff on the phone know who I am and they answer straight away. Mind you the new online account took me a while to set up with my password, but I got there in the end.

Honestly they were the easiest of the lenders I looked at this year. I compared a few before picking them and the application took about fifteen minutes with no extra paperwork asked for. Money arrived the next working day and the account page shows exactly what's left to pay.

Car broke down on the way to work and I needed the money for the repair before Friday. Filled the form in on my phone while waiting at the garage, got a yes pretty quick and the cash was in my account by the afternoon. Repayments come out on the day they said they would, no drama at all, which is all I wanted really.

I'd always gone to the high street bank for a personal loan but a friend suggested I look online, and I'm glad I did. The rate they offered was noticeably lower than what the bank quoted me, and the whole thing was done without me needing to visit a branch. The funds reached my account within a day, and I was grateful for that given the timescale I was working to.

I took out a short term loan to cover a tax bill, so I know my way around this kind of thing. The approval itself was fine but the funds took almost three working days to land, which was longer than the site said. Rates are on the high side compared with what I've seen from other short term lenders, and the customer chat was slow to answer when I had a question about the early repayment charge.

I've done enough of these loans to know what to expect, so the form itself was no bother and took about ten minutes. The only annoyance was the money went in a day later than the site said it would. Their customer chat was helpful when I asked, though it took a while to get through to someone.

Looked at three different sites before picking these, and the thing that won me over was how little they asked for. Filled in the form on my laptop, got a yes within the hour, and the balance was in my account the next morning. Would go with them again.