Cudoo

Compared with the high street lender I went to first this was a lot cheaper for the same amount over the same term. Application was done in one sitting and the decision was fast. Paid the first instalment by direct debit and nothing has gone wrong since.

The first thing I noticed was the total repayment figure sat right at the top before I committed to anything. Applied for a loan to cover a van repair and approval took about twenty minutes. Funds landed the next morning. Only niggle is the app kept logging me out during the document upload, so I had to redo it twice.

Used the platform to consolidate a couple of credit cards and the process was quick. The affordability questions were more detailed than I expected but they made sense. Money reached my account within a working day and the old balances were cleared with no fuss. Works well for what I needed.

Compared to the offer from my bank this came out cheaper over the term, so I went with it. Signing up was painless and the approval was quick. Money arrived the next day and I can see the schedule in the app.

Looked at this when I needed a loan for a new fridge and washing machine. The cost is higher than I'd like compared to what my credit union offers, and the rate was quoted before the checks finished. Approval was reasonably quick and the money arrived in two days. Fine, but I would look around first.

Needed to get a loan sorted fast because the boiler went on the Friday and I had to pay the plumber before the weekend. Applied on my phone during my lunch break and got a decision the same afternoon. Money was in my account by the next morning. Simple, no faff, exactly what I needed when I needed it.

This was my first time borrowing so I was nervous about it. Needed the money for a deposit on a flat and the application walked me through each step. Approval came through the same day and the funds arrived on time for the solicitor. The reminder emails before each payment are a nice touch.

Cheapest personal loan I could find once I'd compared the usual places, and the rate was clearly shown before I signed up. The application took about ten minutes and approval came through same day. Funds reached my account within a working day. Repayment schedule is in the app so you can check it easily.

I used the eligibility checker before applying, which gave me a fair idea of what I might be offered without touching my credit file. The application itself took a while to fill in and I had to dig out some payslips, but the decision came back the same day and the money reached my account the next working morning. Polite and clear throughout, though the online chat was slow to answer on the Thursday.

Needed a small loan to cover a repair on the van so I could keep working. Wanted the cheapest monthly payment I could get and this was fine for that. Interest is not the lowest I have seen though, and the paperwork took longer than the advert suggested. Gets the job done.

I applied for the personal loan through the site on the advice of my daughter. The online form was clear and I found the terms easy to follow. Approval took about an hour and the money was in my current account the following morning. I have since paid off a portion early without any fuss.

Been borrowing through them for years now and it has never let me down. Renewals are simple and the money always arrives when they say it will. Good, honest service.

Signed up on my phone in the lunch break and got a yes by like half three. The money landed the next day, the repayment date is already set so I don't have to think about it. Nice one.

Compared to my bank this was miles quicker, my bank wanted me to come in and sign stuff and took about a week. Here I did the whole thing on my phone in like ten mins, got approved, and the money landed the next day. Repayments come out automatically so I don't have to remember anything. Honestly would use again.

I needed a loan for a car deposit and wanted it sorted before the dealership's deadline. The form was quick enough but the bank statement upload kept timing out on my phone. Once that was fixed the decision came through the same day and the money went in the next morning. Little bit of a faff but worth it.

The specific thing I used was the eligibility checker, which told me what I might be offered without affecting my credit file. I tried two other sites before this one and they were less clear. It took a few days for the final offer to come through though. Pleasant enough experience.

I took out a loan to help with a home improvement and I would happily use them again. The explanation of the costs was clear and there were no surprises on the statement. Customer support answered my question about an early repayment within the same day. I appreciated being treated courteously throughout.

The direct debit for repayments was set up at sign up and it has come out on the same date every month since. I like that the schedule is in the app so I can see how much is left. Took a couple of calls to get the first payment date changed but the person I spoke to sorted it in one go.

Before this I tried two other lenders and both wanted a lot of documents up front. Here the eligibility check was a soft search and told me straight away what I could borrow. The rate was a touch higher than one of the others, though that one turned me down. Funds came through quickly once I accepted, and I got a text when the payment was due, which was handy.