Cudoo

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.

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.

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.

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.