goguarded

I took out a small loan a few years back to replace the boiler and have used them ever since for the odd bit of cash flow. Each time I've done it the process has been the same, online form, decision in minutes, money in the account the next working day. The app is where I spend most of my time now, checking balances and paying off what's left. Never had a problem with customer service when I've phoned them.

Compared to my bank this was miles easier, I didn't have to go into a branch or wait on hold. I signed up on my phone during my lunch break and the money was in my account by the evening. Nothing to complain about really, just wish the app had dark mode lol.

Went with these over a couple of other sites because they promised a faster decision and they were quicker. The thing that held me up was I had to upload my payslip twice because the first photo was blurry. Money landed next day so can't complain.

the app shows exactly when each payment goes out so no more forgetting. got my loan money in like 40 mins after approval, was dead quick. set up a payment reminder and it's been spot on for 6 months. only thing is you have to upload docs twice but whatever, would do it again

We needed a loan to get the kitchen done and I was nervous about the application. The form asked for a lot of details but each bit was explained well, and I could save and come back to it. The money arrived on the day it was due to the builder, which was a relief. Would use them again.

Needed a bit of cash quickly for a rental deposit so I went with these. Form was quick on my phone and I got the decision in a few minutes. Money arrived the same afternoon, which was perfect.

I needed contents cover when I moved into my new flat and didn't have time to shop around for weeks. I've been with them for years now so the renewal was quick and nothing had changed in my favour or against me. The customer line picked up within a minute when I had a question about excess. Solid, reliable and no nonsense.

I checked a few comparison sites and these came out fairly middle of the road on price. The quote itself was clear once I got into it. Took a bit of back and forth to get the payment set up right, mind you. It's fine.

Compared with the other two lenders I'd looked at, this was the simplest process by a long way. The other sites wanted a whole pile of documents while this one only needed a couple of bank statements. I got the decision the same day and the money came through the next morning. Happy with it.

The verdict from me is that this is a sensible way to borrow if you're careful about the terms. I rang with a question about early repayment and was given a straight answer on the spot. The money came through when promised and the statements have been on time. A solid choice for someone like me who likes to know exactly where they stand.

I've been using the app to manage my repayments for a couple of years and it's the part I use most. The loan itself came through as expected and the interest was about what I'd been quoted. The one thing I'd change is the way it shows the remaining balance, it took me a while to find it. Otherwise no real complaints.

I wanted to see whether a personal loan would beat the finance deal on a new washing machine and it did. The total cost came out lower than the shop's offer and the payments come out on the same day each month. The only snag was a delay in the first payment showing on my statement, which sorted itself out after a few days.

I used the repayment calculator on the site before signing up for the consolidation loan and it was spot on when I came to pay. It saved me a fair bit compared with keeping three separate credit cards going. The only niggle is that the contract is long and the key bits were hard to spot. Otherwise it did what I needed.

I was surprised that the whole application could be done from my armchair with no branch visit at all. The loan for the new boiler was approved within the hour and the funds arrived the following morning, which was very satisfactory. I have found the customer service staff courteous whenever I have telephoned them, and I have no complaints.

Compared with the big banks these were far less faff, I got an answer for my loan in under an hour rather than waiting a week. Took a few tries to get the bank details entered correctly, which was annoying. Still, the money turned up next day and the app is decent.

Honestly this is the cheapest way I've found to sort my home cover and the whole thing took under half an hour. I rang once with a question and they answered straight away, which I didn't expect. Renewal came through on time and the paperwork was clear. Will keep using them.

Renewal was done over the phone in about fifteen minutes. The policy matched what I was told and the documents came by email the same day. Nothing more to say really.

I needed a loan quickly after my car failed its MOT and the garage wanted paying before they'd release it. I've used them a few times now for different things so I knew roughly what to expect. The form was simple enough and the money came through before I'd even finished my tea. Only small gripe is the reminder emails are a bit too frequent.

I took out a loan to get a second-hand van for my plumbing work and wanted to make sure I wasn't overpaying. The interest works out pretty reasonable compared to the dealer finance I looked at, and I paid it off early with no charge. The payment schedule is clear and the statements arrive when they should. Good value for what I needed.