Emoov

Needed to cover an unexpected energy bill, and a short loan through the site looked like the cheapest way to do it. Signing up was fine and approval took about 40 minutes. The money came through the next working day. Total cost was reasonable compared with the overdraft I would otherwise have used.

Really good for what I needed, which was a short loan to cover a dental bill. The money went into my account the same day I was approved, and the repayment schedule was clear. The only small thing was that the app logged me out twice during signup, so I had to start again.

I had used a credit card to cover a sofa purchase before, and this loan is far cheaper per month than paying the card off over time. Signup took a bit longer than I expected but the sum was clear from the start. The money came through without any fuss.

Needed the money to fix my car after the MOT failed, so I went with this. Application was ok, a bit long but fine. Money came through next day. Interest is not cheap but it did the job and the repayments go out on time.

I used them for a loan to cover a sofa and the application was fine, approval took about twenty minutes. My complaint is the fees, which weren't obvious until the end of the form and make it dearer than I expected compared with a couple of other lenders I looked at. Support took two days to answer my question about an early payment, which was slower than I'd like. The money arrived when promised so I can't fault that part.

We had the boiler packed in over the winter and the heating engineer said it would cost more than we had in the bank, so I looked into a loan. I went through the site and found the application fairly straightforward, though I did have to dig out a few bank statements which was a bit of a faff. The money came through to my account a day after approval, which I was grateful for.

Got a loan through them to cover a deposit on a flat. Quick signup on my phone, just my details and a bank link. Money arrived the next morning. Easy.

Went with them in the end, they were the quickest of the three I looked at. The only annoyance was the phone verification step, which took two goes before it went through.

Never borrowed before so I was nervous, but the whole thing was done on my phone in about ten minutes. Approval came quick and the money was in my bank that evening.

Honestly it was way quicker than my bank, which took ages to even reply. Emoov approved me in a day. Rate was a bit higher than I hoped though, and the first repayment email went to spam so I nearly missed it.

I compared this with a couple of high street banks before deciding, and the process here was a good deal simpler. There was less paperwork and I was kept informed at each stage. The repayments are easy to manage and the account is well laid out.

Need money fast and this did the job. Applied at lunchtime on the site, approved before I got back to my desk, and the cash was in my account by the time I finished work. Repayments set up themselves. No problems so far.

Took out a small personal loan through the site to cover my car insurance renewal. The online form took about twenty minutes and kept logging me out halfway through, which was annoying. Once approved the money hit my account the same afternoon. Repayments come out on the date I picked so far, no complaints there.

Did the whole thing on my phone during my lunch break, the form took about five minutes. Approval came through while I was still at my desk. Money was in my account the next morning, which is all I needed.

I had looked at a few other lenders first, and this one came out ahead on speed. The rate was about what the others quoted. The whole thing from application to money in my account took less than a day.

The soft credit check at the start doesn't leave a mark on your file, which I know because I've applied for these things before and got burned by hard checks. Offer came back in under a minute and the repayment schedule was laid out clearly before I accepted. Money landed the same afternoon.

We needed a bit of help to get the new roof done and I have used them on and off for years now. Same as before, the application was simple and the money turned up on time. I have never had a problem with the repayments.