Easy Terra

Needed money fast after my car failed its MOT and nobody else would lend me anything. Filled in the form on the app in about ten minutes, got approved same day and the cash was in my bank before bedtime. Honestly lifesaver stuff, would use again.

Used them for a top up loan to cover a kitchen repair. Checked the total repayable against two other lenders and theirs came out cheapest for the term I wanted. Application was straightforward and the funds landed the same afternoon.

I'm afraid this wasn't the experience I'd hoped for. The loan itself came through eventually, but the application dragged on for over a week with several requests for the same documents. The cost of borrowing was also higher than I'd been led to expect from the initial quote.

I'd looked at three other lenders and a credit union before I picked them, and the rate and fees came out best for what I needed. Signing up was quick and the app showed me exactly what I'd pay back each month, which was a relief. My first payment went out on the date they said and I've had no surprises since.

I needed the money to get my boiler replaced before winter, as the old one had given up completely. The form was straightforward and I was grateful for that. Everything went through nicely.

Checked this against my bank's personal loan and the cost of borrowing was lower here for the amount I needed. Good value for money. Application was done online in one sitting.

Needed a loan to cover some unexpected dental work, so the timing mattered a lot. This was my first time borrowing so I wasn't sure what to expect. The application asked for a lot of detail but the team explained each part when I rang with questions. Money came through the next morning and the repayment reminders have been helpful so far.

I'm really glad I went with them for my first loan, I was nervous about the whole thing. They talked me through what each repayment would cost and when, and the app shows exactly what's left. Money arrived the next working day, which was perfect for what I needed it for.

Got a small loan through them to pay for a laptop for uni. Before this I looked at a credit union and my bank, and the credit union was slower. Money was in my account by the afternoon.

Compared them to a credit union loan against a personal loan from my own bank the last time round. Theirs was the simpler process and the rate was competitive for my credit history. I've used them three times now and the process has stayed the same each time.

Compared them with the big credit card cash advance I'd normally use and it worked out cheaper here for the amount I needed, which was the whole point for me. The application took about ten minutes on my phone and the money came through the next working day. Nothing wrong with it really, though the repayment schedule was a bit fiddly to read at first and I had to ring them to check the first date.

Needed a short term loan to bridge a gap before a bonus came through, so I knew the repayment terms going in. Application and approval were clean and the money came through the same day. Only small niggle was the confirmation emails landing in spam for a while.

Compared them with a high street payday lender I'd used before and the difference was obvious. Repayments were spread out over a longer period, so the monthly amount was manageable. The app took a bit of getting used to but it's fine now.

Used the app to get a loan for my new phone contract deposit. Signed up in like ten minutes and they approved me straight away, which was a relief cos I didn't think I'd get approved. The money hit my account the same evening and the app shows all my payments in one place so it's easy to keep track. Would do it again.

Honestly this is a solid option if you need a loan quickly and the paperwork is simple. The interest rate was higher than I'd like compared with a credit union. Application went smoothly enough and funds came through when promised.

They've been my go to for a small loan on and off for about eight years now. Approval has always been reasonable and the money arrives when they say it will. Settling early was simple and I've never had a nasty surprise with the paperwork.

Took out a small loan through them to cover a broken boiler. Application was quick on my phone and the money hit my account the next morning, which was class. Only thing is the repayment dates don't line up with my payday so I had to ring them to move it. Fine in the end though.

Been a customer for a few years now and the process is usually smooth. Last time the repayment date was moved without me being told first, which caught me out. Once I sorted it with their support team it was fine and the money arrived on time.

The fastest bit was the cash landing, it was in my account before my lunch break ended. Signing up on my phone took about five minutes, and I had to answer a couple of follow up questions by text. Basically did what it needed to, no drama, will probably use them again if I need to.