Ipsos iSay

Quick verdict: good, and the money came through faster than I thought. Applied on my phone during a lunch break. Only downside was the app asked me to resend a selfie twice because the photo was too dark, which was annoying. Otherwise fine.

I've been borrowing from them for years now and they've never let me down. Every loan I've taken has been approved fairly and the money has always landed when they said it would. The app makes it easy to check things and clear a balance early when I want to. Repayments have never caused me trouble.

Needed a short loan for a dental bill that wasn't covered by my plan. Applied at night and had an answer by morning, money in by lunch. Rates are about what I expected for a small amount.

I took out a loan through them to pay for a new kitchen, which was a rather large job for us. The application was straightforward and I did find the online form easy enough to follow, though I did ring once to check a question. Everyone I spoke to was courteous and patient. The money arrived in my account promptly and the monthly payments have come out on the correct date every time since.

I went ahead with a small loan but the fees added on top came to more than I'd worked out from the headline rate. Nothing was hidden exactly, it just wasn't obvious until the final screen. I did get the money fast enough and the payments are easy to manage. Next time I'd check the total cost before clicking through.

Honestly the rate was the thing that made me pick them over the others, and it worked out cheapest once everything was added up. Applied on the site on a Tuesday evening, got a yes the next morning and the money was in our account by Thursday. Monthly payments come out on the same day each month which saves me forgetting. Scores 5 across the board for us, the total cost was lower than the other offers I'd looked at.

I took out a personal loan through them to replace our boiler last spring. The form was straightforward enough, though I did need my daughter to help me upload the bank statements. Once approved, the money arrived promptly and the monthly payments have been taken without any trouble. A polite and helpful person answered when I rang with a question about the statement.

Compared to my overdraft fees this is miles cheaper, so I switched my borrowing over. Applied through the site and got a yes pretty quick. Money came through fast and the repayments are clear in the app. Yeah, would use again.

I compared three lenders before I went with this one, and my bank wanted a lot more paperwork and a branch visit just to look at it. Here I filled everything in online, got a decision the same afternoon and the funds came through quickly. Being able to log in and see the repayment schedule without ringing anyone is a big plus for me. Would go with them again without a second thought.

Needed some cash for uni fees and rent so I went for a loan, got it sorted in about twenty minutes on my phone. Money hit my account the next day which was spot on. Payments come out fine and the app shows me what I owe. Easy one.

Way better than the other lenders I looked at, they felt slow and clunky. Got a loan from these in one go on the app. Cash came through fast and I'm happy with it.

I was after a loan to cover a car repair that came up suddenly, and I had a look at a few lenders before settling on this one. Filling in the application was simple enough, though the bank statement upload took a couple of attempts. Approval came through the same afternoon and the funds reached my account the following morning. The repayments are set up by direct debit and so far there have been no surprises.

This was my first time borrowing from anyone online, so I was a bit nervous. I took out a loan for a deposit on a flat and the application asked for quite a lot of documents, but there was a helpful guide. The funds arrived in my current account within a couple of days, and the repayment details were easy to find in my online account.

I did find the application straightforward enough, although I'm not a great one for computers and had to ring up to ask about one of the boxes. The loan itself came through, but there was a wait of a few days for the adviser to ring me back about a query over my income details. I'd have liked a quicker reply, as I'd been expecting the money sooner. Still, they were polite on the phone and it's all sorted now.

Went with them for a loan to cover a bathroom refit and the verdict is a yes from me. The online form asked sensible questions and I had an answer within the hour. The money appeared in my account the same day and the monthly payments are set up exactly how I wanted. Saved a fair bit compared with the bank I'd been looking at, and the statements are clear.

The app is the best bit, honestly. You can see every payment, change your payment date and check your balance without ringing anyone. Got my loan money in like a day. Cheap and cheerful and it did what I needed.

I'd been quoted a much higher rate by a high street lender for the same amount, so this was a clear saving. Sign-up was done online and the money went into my account within the day. The monthly figure is easy to budget around and the payment dates suit me. Would happily borrow from them again if I needed to.

We needed a loan to cover a sudden repair on the car, so I went looking for something with a decent rate and no faff. The application took about ten minutes on the site and the money landed in our account the next working day. Repayments come out on the date they said they would, which is all I wanted really. The only niggle was the interest working out a bit higher than the comparison sites had shown me.

Verdict first: they're good value for a small loan and I'd use them again. I needed a few thousand quid for a new van engine and wanted the cheapest way to do it. The process was simple and the cash arrived quickly. Repayments are predictable and there's no fuss when you pay off early.