Cocoon

Honestly one of the better loan providers I have dealt with. The application asked sensible questions without making me jump through hoops, I knew where I stood before I was even committed. Money arrived as promised and early repayments are simple to set up through the site.

Had to make a claim on my car insurance after a bit of a bump in a car park, and I was dreading it. The app walked me through photos and a short form, took about ten minutes on the sofa. Someone rang back the same day to confirm the details and the repair authorisation came through by the Friday. Nice to not be on hold for an hour for once.

Applied for a personal loan on my phone during my lunch break and had an answer before I'd finished my sandwich. The form asked the usual things, nothing weird, and I could upload my payslips straight from the camera roll. Money landed in my account the next working day. Repayments come out on the date I picked, which is all I wanted really.

Decent enough, the money did arrive. Took three days to get a reply on my query about an early payment and by then I had already sorted it myself. The site is clunky on my phone and I kept losing my place in the form. Wouldn't rush to use it again.

Needed it to cover a rent gap after a bill came out of nowhere. Got approved but the interest works out more than I'd like compared with a credit card if you can get one. The money came through fine though, just a bit pricey for what it was.

We used their car finance option to cover a used Fiesta and it was simple enough to set up. The paperwork took a bit longer than I expected because they wanted a second proof of address. Once that was sorted the money went to the dealer quickly and the monthly payments are easy to track in the app.

I have been using them for a few years now for smaller loans and they have always been reliable. Last time I wanted to top up and the process was a bit slower than before because they asked me to upload a fresh bank statement. Once that was in, the money came through the next working day.

Our boiler packed in over the winter and we needed the money fast to get it replaced. Applied on a Sunday and had a decision by the Monday morning. The cash went through to our account in time for the engineer to come on the Wednesday, which was a relief.

I compared their rate against what my bank offered me and theirs was noticeably lower, which I was pleased about. The application was a little longer than I would have liked, with several pages of questions. Once approved, the funds came through promptly and the statements are clear and easy to read.

Compared it with my old broker and the fees on here were way lower for the same loan amount. Applied on the site in one evening, funds hit my account two days later. Repayments come out on the right date each month, no fuss at all.