Garden Street

Applied on a Friday and the approval didn't come through until the Tuesday after, which was a long wait when I needed the money. Rang them to chase and they were polite but couldn't say much more than it was still being checked. Eventually it came through and the money arrived the same day, so it's fine now, just not what I'd hoped for.

The app is the best bit for me. You can see the balance and the next payment date at a glance and it sends a push when the payment has gone out. Signed up in the app itself and the whole thing took a few minutes.

Compared it to a bank app first and this was way quicker to sign up for. Took about ten minutes on my phone. Bit annoying that the ID check kept timing out so I had to redo a photo, but otherwise sorted and the cash was in my account by morning.

Have used them a few times over the years and it's always the same quick process. Applied, got the answer the same day, money landed the next morning. The customer service team has been helpful whenever I've needed to change a payment date.

Used the online account to check my balance and schedule a payment. The layout is clear and the transaction history goes back to the start of the agreement, which is handy when you want to check something. I've used it most months since I took the loan out.

Compared them with two other companies first and this one took noticeably longer to get back to me once I'd applied. The other two replied within the hour, whereas here I waited the best part of two days for anyone to look at my details. The rate was fair enough but the wait put me off.

My old car finally packed in after eleven years so I needed a loan to get a replacement quickly. I've been with them since my divorce and they've always been fair with me. The application was done online in the evening and the approval came through by morning. The money was in my account before the garage needed paying, and I set up the monthly payments through the online account without any bother.

Way better than my old lender for this. Switched over to them and the monthly payment is lower and they let me choose the date. Getting a payment plan set up was quick. Happy with it.

Looked at a few comparison sites first and this came out a bit dearer than some of the others for the same amount. Went with them anyway because the application was simple and I wanted the money quickly. They did what they said, but I'd check the total cost carefully before you sign.

Needed some cash fast to sort out my car MOT and repairs. Applied on my phone during my lunch break and it was sorted by the evening. Only thing is the app kept logging me out halfway through, but once I got going it was fine. Money came through quick.

Never borrowed anything before so I was nervous about the whole process. Signed up on the site on a Sunday night and the form was easy enough to get through, though I had to dig out my payslips twice. Money landed in my account on the Wednesday, which I thought was pretty good. I did ask the chat team a couple of questions about repayment dates and they answered within the hour.

I needed a small personal loan to cover some unexpected home repairs and I was keen to understand each step before committing. The advisor I spoke with was patient and explained the interest and the repayment dates in full. The application was straightforward and the funds reached my account promptly. I'd not hesitate to recommend them to a friend in a similar position.

Used their debt consolidation loan to bring three credit cards into one payment. The application asked for every card and balance, which took a bit of time, but once it was done the approval was quick. The three old cards were paid off directly and I now have one payment a month. Really useful.

Needed a bit of help covering a big bill that came out of nowhere. I rang them up first and the chap I spoke to talked me through the options without rushing me. Went with a short term loan and it was all done in a few days. Very grateful.

Applied on the site and it asked a few questions I wasn't expecting but they made sense. Approval was through in under an hour and the money hit my account before the end of the day. Quick, simple and no calls I didn't want.

What got me was the decision coming back within the hour, which beat the two other lenders I'd checked. Signing up took about ten minutes on my phone. Money landed the next working day.

Went with the fixed monthly plan after looking at a few options. The payment date is one I can actually remember and the reminder email arrives a couple of days before, which I didn't expect. Setting it up was simple and I haven't had a single issue since.

Really happy with how this went for a first go. Signed up on the site in about ten minutes and the person who got in touch to confirm everything was friendly and clear about what would happen next. Would use them again for sure, though I did have to chase one email about the paperwork.

Still happy after many years with them. I've taken out a couple of loans over the time and the process has barely changed, which I like. Phone line is easy to get through to and the staff know their stuff. Nothing to complain about.