Cota Group

The first thing I noticed was how the app asks you to scan your ID with your phone camera and it just worked first go, which I wasn't expecting. Got the money into my account the next working day. Only niggle is the repayment date is set to the 28th and I'd have liked to pick my own day, but the reminders come through well ahead of it so I haven't missed one yet.

Way cheaper than my overdraft, I checked both before going ahead and this came out lower. Money arrived in a few hours. Only niggle is the app is a bit slow to load on my old phone.

I compared it against my overdraft and a couple of other lenders before going ahead, and the total repayable came out noticeably lower here. The application was simple enough and I got a clear answer about what I'd pay each month. The money arrived in the account a day after approval. Nothing hidden in the small print that I could see, which is what I was worried about.

I've used them for a few years now for topping up my car repair costs and it's always been the same process, which I like. Apply in the app, sign the agreement, money in the account. This time the agreement took a bit longer to come through by email than usual, about a day, but the funds arrived when they said. Nothing else has changed much.

Took me the best part of a week to get the loan sorted because the sign up kept asking me to upload the same documents again. Once I got through it the money turned up fine, but the whole thing felt more faff than it needed to be. Support emails took two days to come back each time.

The loan did what I needed and the money arrived in good time. The application asked a lot of questions I felt were a bit much for the amount I borrowed, and the rate was on the high side. Repayments come out on the right day though, so no complaints there.

Needed a bit of cash to cover a deposit on a flat and the bank wouldn't budge on the amount I asked for. Filled in the application on my phone one evening and had a yes the next morning. Money was in my account by lunchtime, which meant I could pay the agent the same day and hold the place. Repayments are set up on my payday so it's been easy to keep on top of.

I went with the three year loan after looking at a few different lenders and a credit card balance transfer. Application was quick and the money turned up the day after approval. The only thing that bugged me was the interest rate ended up being a bit higher than the quote I saw first, although it was still the cheapest of the ones I looked at. Repayments go out without any trouble so far.

I took a small loan to replace the washing machine that packed up, and what I paid in total over the term was more than I expected from the quote on the site. The money came through fine and the repayments go out on the right date. It's just that the interest adds up quicker than I'd like, and I'd have shopped around a bit more if I'd known. It did the job but I'd think twice next time.

Honestly it did what I needed in the end, the money came through and the repayments have been fine so far. The application took longer than I thought though, they asked for the same bank statements twice and I had to chase a reply by email, which took a couple of days. Price is on the higher side compared with a credit union but I didn't have many options at the time.

I'd had an unexpected bill for the boiler and needed the money quickly to get it fixed before winter. I've used this lender twice before so the application was familiar, and the approval came through the same afternoon. Funds arrived the next working day. The repayment schedule is clear and it's been the same each month without any surprises.

Honestly it's the quickest loan I've had. Applied last week and the money was in my account before the weekend. Only small thing is the app kept logging me out, but it's fine.

Went for the instant loan option through the app. Filled it in on my phone during my lunch break. Money landed before I'd finished my sandwich, which I didn't expect.

I did consider borrowing from my bank first, however the rate I was offered there was considerably higher than the one I got through this company. The application took a little while to go through, mainly because I had to find some older documents, but once approved the funds were transferred promptly. I would say the monthly repayments are very manageable, though I wish the reminder emails came a little earlier.

We needed a small loan quick because the car had died and we had no way to get to work. Applied on the site on a Tuesday evening, got a decision within the hour and the money was in our account the next morning. Repayments come out on the date they said they would, no fuss at all. Took the sting out of a rubbish week.

I've been borrowing from them for going on six years now and the process has never changed much, which suits me fine. Application is straightforward and the money goes into my account within a day. Customer service has always answered the phone when I've needed to ask something.

What I like most is that the sign up is the same every time now, I know exactly where everything is in the app. I've borrowed from them a few times over the years and the money has always landed on time. The only thing that's slightly annoying is the repayment reminders arrive a day late sometimes, but I just check the app myself. Nothing to complain about really.

Compared this against my bank and a credit card balance transfer before I picked it, and the total repayable here came out lowest of the three. The application took about twenty minutes and the decision came back the same day. I liked that I could see the full cost before I committed. The money landed in my account the next morning and the first repayment is set up automatically, which saves me remembering.

Applied for a small loan to cover my phone bill and some rent, and was approved within about ten minutes which surprised me. The funds showed up the same afternoon. The repayment schedule was easy to read and I could see exactly what I'd pay each month. First time borrowing so I was a bit wary but it felt straightforward.

We were behind on a couple of bills after my husband's hours got cut and I needed something that would let us catch up without falling further behind. The loan was approved the same day and the money arrived the next morning. Easy to set up the repayments online, and I can see the balance any time I log in.