Mackey & O'Brien

The soft eligibility check is what sold me, it told me I'd probably be accepted before any hard search went on my file, which I really appreciated. Once I applied the offer matched what the check said, the APR was clear and the repayment schedule in the app is laid out properly. Nothing to moan about.

Needed some cash for a deposit on a flat so I went for it. Done on my phone in about ten minutes and the money was in my account the same afternoon. Monthly payments come out fine. Easy.

Took out the twelve month plan to spread the cost of a new boiler. The monthly figure was fair and the total came out lower than the credit card I'd been looking at. Payments go out on the same day each month from my account, which suits me. The statement arrives every month and it's easy to read. Good value for what it was.

Compared with the high street bank I usually use, this was a bit pricier, but the application was far less of a slog. I didn't have to visit a branch or wait on hold. The money arrived the next day and the monthly statements are easy to follow. I'd still go with them again for something similar.

Best bit was the repayment date I could move on the app when payday shifted, didn't need to call anyone. Sign up took a few minutes on my phone during a lunch break, the approval came through the same afternoon, and the money was in my account the next morning. Only thing I'd change is the notifications, they're a bit too frequent.

The specific thing I took out was a fixed term personal loan for home improvements. The monthly statement is laid out clearly and I can see exactly how much of each payment goes toward the balance. Setting up the direct debit was simple and the first payment came out on the right date. I'm pleased with the arrangement so far.

I needed it fast after my car packed in and needed a repair I couldn't cover from savings. It was my first time borrowing like this so I was nervous. They walked me through each step on the site and a real person rang to check a couple of things. The money reached my account the next working day, which was what I needed.

The specific thing I used was their quick eligibility check, which told me before I formally applied whether I was likely to be accepted. It didn't leave a mark on my credit file, which I cared about. The full application took about ten minutes and the money arrived within the day. Smooth from start to finish.

Been using them on and off for years and this time the money took nearly a week to reach my account, which was not what I'd come to expect. Nobody told me there was a delay until I chased it myself. The loan itself was fine and the monthly payments are as they should be. Service was polite on the phone but I'd like a heads up next time.

Needed to cover a bill that landed on the same week as my car insurance. I wanted to keep the monthly amount low and the repayment option let me do that. Applying took a few minutes and the money reached my account before the bill was due. Fees were clear from the start, which helped me plan.

I needed to bring a few credit cards into one repayment so I could stop juggling different due dates. The application asked the right questions about what I owed and the consolidation figures made sense on screen. The lender paid off the old balances directly, which saved me chasing them. My monthly outgoings are much simpler now and I'm happy with how it worked out.

Needed some money for a last minute trip to a festival and rent was due the same week. Got the form done on my phone in the evening and had the cash the next day. Repayments are small and they go out when they should. Glad I went with them.

The verdict is that it did what it needed to do, though the wait was longer than I expected. My application sat in review for four days before anyone got back to me, and I was asked for a second copy of my bank statement. Once approved the funds arrived promptly. The price was in line with what I'd seen elsewhere.

The first thing I noticed was the fixed monthly payment, which made budgeting simple. I was asked for a few documents and everything was explained politely over the phone. The money came through when they said it would.

The verdict on this one is that the people were lovely and the money came through, but the approval took longer than I'd hoped. The team answered my emails kindly and explained each step. I did wait the best part of three days though, which felt a little long when I was counting on it. Once it was done the payments have been very regular.

First time borrowing so I wasn't sure what to expect. Compared to the offer my bank app gave me this one came out a fair bit cheaper, which is why I went for it. The application was quick and the approval came through the same day. The one niggle was that I had to upload my payslips twice because the first attempt didn't go through, and I got no confirmation it had failed. Otherwise easy enough.

Compared it with my old high street bank and the process was quicker here, I'll give them that. The application took about twenty minutes online and I had a decision the next morning. The money landed in my account the same afternoon. The only thing that dragged was the document upload, which kept timing out on my phone so I had to do it again from the laptop. Would still use them again.

Compared it with the finance offered by the shop I bought my sofa from and this came out cheaper over the term, which was the whole reason I went looking. The shop's offer had a higher rate hidden in the small print. Here the figures were laid out before I agreed to anything. Payments have gone out without a problem so far.