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Bought a short term loan to cover a new fridge freezer that packed in last month. I'd looked at two other lenders and this one had the clearest breakdown of what I'd pay back each month. Applied on my phone, got a decision within the hour, and the funds came through to my account the same afternoon.

Why I went with them: I'd already tried two other lenders and both wanted more documents than I could find quickly. This one let me apply with just my bank details and payslips. The rate was competitive against the others I'd compared, and the money reached me within a day. Would use again.

I needed a bit of cash to tide me over until payday so I applied on the site. Got declined with no real explanation, just a generic message. Then I got a couple of emails asking me to update my details which was confusing because I'd already done that. Rang them and waited about forty minutes before anyone picked up. Not what I wanted from a short term lender.

Compared with going over my overdraft with the bank this was a lot cheaper for the amount I needed. The application was simple enough and I got a decision the same day. Price is a bit higher than a credit union would charge, so I'd check those first if you can. For a short term gap it did the job.

Compared with the store card the retailer offered me, this worked out cheaper over the term I needed. The loan was approved fast and the money landed in my account the next day. Everything was spelled out clearly so there were no nasty surprises at the end.

Money for my boiler repair came through quicker than I expected. The whole thing was done online and I didn't need to go into a branch. Good value for what I needed and the repayment plan is easy to follow.

Took out my first loan to cover a deposit on a flat share and was nervous about it. Signing up took a few minutes and they explained the repayment dates clearly. The money took two working days to reach my account, which felt a bit slow, but otherwise it went smoothly.

Been a customer a while and it still works fine. The repayment reminders are useful. Last time the support reply took three days to come back though, which was annoying when I had a question about a payment date. Otherwise no complaints.

Compared with my credit union this was dearer for the same amount, so that's the downside. The application was simple and I got an answer quickly. I'm first time borrowing so it was useful to see everything laid out, but I'd check the other options before signing.

I took out a personal loan to cover moving costs and it's the first time I've borrowed anything like this. The sign up was straightforward and I liked that they checked my details without making me send loads of paperwork. The money took a bit longer to show up than I expected, about two working days, but it got there. Repayments come out on the date I picked.

I was most struck by how courteous the advisor was when I rang with a query about my statement. The loan itself was arranged without fuss and the funds reached my account promptly. Repayments are collected as agreed and I have found the monthly statements clear and helpful. A very satisfactory experience.

Been using these people for personal loans since the early days and they remain the most reliable option I've come across. The rates are fair for the risk, the terms are transparent and the money arrives when it should. I know the sector well and this is one of the better ones.

Honestly the speed is what got me, I applied at like 11pm and had an answer before I'd even brushed my teeth. Money hit my account in about an hour which was mad. Only thing is the app kept logging me out when I tried to check my balance so I ended up using the website instead. Still, it did what I needed it to do and I'd use them again if I was stuck for cash.

I've borrowed from a few lenders over the years so I knew what to look for. This one's APR was a bit higher than the best comparison sites showed, but the fees were clearly laid out and nothing extra got added at the end. The application was quick and the funds landed the next working day. Repayment dates are flexible enough, which I appreciated.

Had a car repair bill land on me out of nowhere so I needed the money fast. Filled the form in on my phone during my lunch break and got a yes straight away. Funds were in the account by the next morning, which saved me a lot of stress. Easy, will use again if needed.

Took out a loan to pay off a couple of credit cards and got the money in one payment straight into my current account. The total cost was lower than what I was paying before, which made the sums work. Repayments are set up by direct debit so I don't have to think about it.

Been using them for years now and they have never let me down. Every time I've needed a bit of short term cash to cover a bill they've been quick, the application took about ten minutes on my laptop and the money was in my account the same afternoon. Repaying is simple too, the reminders come through before the payment date so I never get caught out. Glad I stuck with them.

I required a small loan to replace my cooker which had failed unexpectedly. The application was handled with courtesy and the decision came through the same day. The funds arrived in my account in good time and I am pleased with the arrangement.

The monthly figures were the first thing I noticed, they're shown plainly before you agree to anything. I had a loan to consolidate some debts and the total cost came out lower than my existing payments. Application was quick, decision came back within the hour, and I've had no problems with the direct debit since.