HPB Management

This is the easiest loan I've taken out so far, and I've had a few. The application only asked for what it needed and the offer was clear about the monthly payment and the total cost. The money landed in my account the next working day. I'd use them again without hesitation.

I needed to consolidate two credit cards that were costing me a fortune in interest each month. Combining them into one fixed loan cut my monthly outgoings and gave me a clear end date. The paperwork was minimal and the payout arrived promptly, so it does what I needed without any extras to pay for.

I needed money fast for a flat deposit and my card was pretty much maxed. Applying was dead easy on my phone and I got a yes the same day. Repayments come out on the right date each month, no bother so far. Bit pricier than some, but fine for me.

I needed a small loan to cover an unexpected MOT repair and my credit card was maxed out. The interest works out cheaper than the card and I could see the full repayment figure before I agreed. Money went into my account the same day it was approved.

What struck me first was that they gave a decision within minutes of submitting, which is quicker than any lender I've dealt with before. I've taken out a few personal loans over the years so I knew what to look for in the paperwork and there was nothing unusual. The interest rate is on the higher side compared with some banks, but the repayment schedule is laid out clearly and I've not had any trouble making payments on time.

Compared with my bank this was quicker to get approved, which was the main thing for me. The app is a bit fiddly though, I kept getting logged out when I tried to upload my payslip and had to start the upload again from the beginning. Once that was sorted the money went in the next day and the repayments have been fine since, so it's a small thing rather than a real problem.

Did the whole application on my phone during my lunch break and it took about ten minutes. Approval came through that afternoon and the cash was in my account by the morning. Only thing is the app kept logging me out so I had to start one bit again.

The repayment calculator on the site is what got me to apply, after comparing it with two other lenders. I put in a few different amounts and terms until the monthly figure looked comfortable. Took the loan over three years and the account has been easy to manage.

I looked at three different lenders before settling on this one, and the key difference was how clearly they showed the total payback. The application took maybe fifteen minutes on my laptop. Approval was quick and the funds landed in my account the next morning.

I needed a loan because my boiler packed up in January and I had no savings to cover the replacement. I'd never borrowed money like this before so I was nervous. The application was straightforward, though I had to upload a payslip twice because the first one didn't show up. Once approved the money landed quickly and the repayment details were easy to follow.

Out of the four I compared, this one showed the total cost of borrowing most clearly on the first page. The loan went into my account the next day, which surprised me given how many forms there were. Nothing has come as a shock since.

I took a loan for a replacement car about four years ago and I'm still with them. The account has always been easy to manage and the payments have come out on time without me having to think about it. The customer letters are clear and I've never needed to ring them about anything. Long may it continue.

This is my second loan with them, having used them for a kitchen refit a few years back. The repayment setup was the same as last time, with the direct debit taken on the day I'd chosen. Nothing to complain about and the account page is easy to find things on.

Took out a personal loan through the site for a new boiler and it was all done online in one sitting. Money hit my account the next working day and the repayment dates are exactly what they said they'd be.

Switching from my bank's overdraft to this loan for the wedding costs made a noticeable difference to what I was paying each month. The fixed repayments are easier to plan around than a rising overdraft. Everything went through without any fuss.

Way better than the payday lender I'd used before, which charged me a ridiculous amount in fees. This one's a proper personal loan with set monthly payments. Sorted in a day.

Went with them after comparing a few options and the monthly figure was the lowest I found. The whole thing was done online and the money was in my account by the next morning. Really pleased with it all.

Compared to going through my bank this was a bit quicker to apply for but the approval took about four days longer than I expected. Once it was approved the money came through fine and the app shows my balance clearly. Not a disaster but I did chase them once.

They're the best of the three lenders I looked at, mainly because the total cost was shown up front and nothing changed later. I compared a high street bank, a credit union and this, and the rate here was the most sensible for what I needed. The whole thing took about a week from start to finish.