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.

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.

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 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.

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.