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.

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.

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.

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.

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.