Intellectia

Approval was ok but took longer than they said, around two days instead of the hour they mentioned. Had to ring them to ask what was going on. Money did come through in the end.

Used them for a short term loan to cover a car repair that came out of nowhere. I'd looked at two other comparison sites first and this one gave a clearer picture of the total repayable. The application took about ten minutes on my phone, the approval came back quickly, and the funds arrived the next working day. Only small niggle was the app being a bit slow to load.

Way faster than going into the high street branch, I did the whole thing on my phone during my lunch break. Approval came through before I'd finished my sandwich and the money was in my account by the time I got back to the office. Simple stuff, no faff with paperwork. Repayments are set up automatically so I don't have to think about them, which suits me as I'm always on the go and forget things. Would use again.

Honestly it was fine, got the loan sorted quickly and the money landed. Only thing was the app kept logging me out so I had to do a bit of it twice.

This was cheaper than the credit card interest I'd been paying, so it made sense to switch the balance over. I'd compared it with a couple of other options and the total repayable was the lowest. Applying was simple and the funds arrived quickly. I'll be keeping an eye on the rates for next time.

I needed it to help with the cost of a replacement car after the old one failed its MOT. I've borrowed from this company before so I knew roughly what to expect. The application was a bit longer this time with extra questions about my income, which slowed things down a little. The decision still came back within a couple of days and the money was there when they said it would be. Repayments have been smooth since.

I've been using them for a few years now and the loans themselves have always been fine. This time I had a question about an early repayment and it took the best part of three days for anyone to get back to me. The reply was helpful once it arrived. The money came through on schedule. It's just a bit slow when you need an answer.

I needed a short loan to cover a dental bill that landed all at once. Before picking them I looked at three other lenders and compared the monthly repayments, and this one came out a bit higher than the cheapest I found. The application itself was simple and the approval came through the same day. The money reached my account on the next working day. I'd still go with them, though I wish the monthly figure was a little lower.

Honestly this was the easiest bit of money admin I've done. First time using them and I was sceptical, but the application took about ten minutes on my phone and I got a yes straight away. The money went into my account the next morning. Customer chat answered one question I had within a couple of minutes. I'd use them again if I needed to.

Compared to my bank this was miles easier, the bank wanted me to come in and wait ages for an appointment. Filled in the form at home and got a yes within the hour. Money arrived the same afternoon.

Borrowed a chunk to replace the washing machine after ours flooded the kitchen floor. I went through the application on the site and the approval came back quicker than I thought it would, within about twenty minutes. The funds reached my account the following day. I've checked the statements and repayments are being taken exactly as the schedule shows.

Compared with the other lenders I looked at, this one was just okay. The initial application was simple enough and the decision was fairly quick at around an hour. However the total cost was noticeably higher than one of the comparison options, and I felt the terms could have been explained more clearly up front. The money arrived when promised and the repayments have gone out without problems so far, which is what I needed.

I needed the cash for a deposit on a flat and I was in a bit of a rush. Got the application done in the evening and had the decision next morning. The money came through a couple of days later, right in time for the solicitor. Would have been a nightmare without it.

Used this to clear my overdraft by taking a small loan out, and it's been sorted in a day. Application took about ten minutes on my phone and the money landed the next working day. Cheaper than the bank charges I was paying, so good value.

The first thing I noticed was that they show you the full cost before you commit, no hidden extras in the small print. I'm a freelance designer so I know my way around these things. Quote took under a minute, policy documents came through by email straight away and the cover started the same day I paid.

Got the loan through the app, took about five minutes to fill in. Money landed next day, no complaints there. Bit annoying that the verification step asked for a selfie twice though.

I needed it to cover a flight home when my plans fell through and the fare went up. I'd checked a few other options first and this one looked the most straightforward. The application was fine, though the photo upload for ID kept failing and I had to try a few times. Once that was sorted the approval was quick and the money arrived the next working day. Nothing else to complain about.

What struck me most was how plainly the terms were laid out, which I was grateful for as I don't always follow the fine print. I'd been nervous about taking out a loan online at my age but the form was simple and clear. A young lady rang me back to check a detail and was very patient with my questions. The money arrived in my account the following morning and I've not had a single problem since.