Ipsos iSay

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.

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.

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.

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.

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.

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.