Monocarbontech

I needed to bring a few small debts together into one payment, as I had got a bit tangled with three different direct debits each month. The application was thorough and I'd expect nothing less for a sum of that size. Since consolidating I have a single payment date and a clear picture of what I owe, and I am grateful the team took the time to explain each step to me.

Applied for a loan to cover a second hand van for the business, and I knew the lending criteria pretty well already. The application itself was simple and they asked the right questions about the vehicle. The only bit that dragged was waiting on the valuation report, which took an extra day.

The money hit my account the same afternoon I got approved, which is exactly what I needed for a broken washing machine. I've been a customer for years now and the app still does what it says. Never had a single problem with them.

The rate was the thing I needed sorting, and the team were honest about what I'd qualify for before I went ahead. The application took me around twenty minutes and they asked for proof of income which was fair enough. Paying it back has been easy, the direct debit comes out on the right day every month.

I've been using them for my business loan repayments since 2019 and they've never once messed up a payment date. The account page is easy enough to check and when I rang about a change of address the person picked up within a couple of minutes. Happy to keep going with them.

I took out a loan to buy a small car for getting to my sister's, and the paperwork was a bit more than I expected for a loan of that size. The staff were polite enough when I rang with questions but the callback took two days. Once it was approved the money came through as promised and the monthly payments have been taken without any trouble.

Compared three lenders before this one and the difference was the reply time, the others took two or three days to come back. This one answered my question about early repayment the same afternoon. Application was fine and the money arrived in the account when they said.

Honestly I thought this would be the cheapest option but the interest worked out higher than two of the comparison sites suggested. The application process was fine though and nobody pushed me to borrow more than I needed. I paid off the balance early but I'm not sure I'd be quick to come back.

I needed a bit of money for a deposit on a flat and this was my first time borrowing from anyone. I was worried it would be confusing but the steps were laid out clearly on the site. The whole thing from application to money in my account took about a week.

I was quite nervous about borrowing but the people I dealt with were patient and explained everything properly. They were clear about what I would pay back each month before I agreed to anything. The money came through when they said it would and I've had no cause for complaint since.

I needed the cash to cover a boiler repair that couldn't wait, and most lenders I looked at wanted weeks of paperwork. The application took about ten minutes on my phone and they asked for proper documents without making it a faff. Decision came back the same day and the money landed in my account the next morning, which is exactly what I needed from it.

Honestly this was the fastest option I found for a personal loan and I checked quite a few before I picked. The eligibility check didn't leave a mark on my credit file, which mattered to me. Money arrived before the end of the next working day and the customer service advisor I spoke to was patient when I asked the same thing twice.

Compared to my bank app this one is a bit more clunky when you want to change a repayment date, and I had to ring them. Applying was quick enough and the money arrived when promised. Not terrible but I'd like the app to do more.

Way quicker than the bank for the same amount, I'd been waiting ages for them to sort out my overdraft limit. Applied on my phone at night and had the decision in the morning. Only thing is the app kept logging me out mid form, but I got there in the end.

Way quicker than my bank's loan process, which took nearly a fortnight last time. Applied on my phone during my lunch break and had an answer before I'd finished my sandwich.

The loan itself came through without any bother, and the money arrived when they said it would. I did have to ring up to move my repayment date, as I couldn't find the option on the website. The lady I spoke to was pleasant enough but it did take a while to get through, and I'd have preferred to sort it online.

I needed to borrow a smaller sum to clear a credit card balance that had crept up, and the interest on the card was eating me alive. Their rate was a bit higher than some comparison sites suggested but still well under what I was paying. The repayment schedule is clear and I like that I can see the total cost upfront.

Got a personal loan to fund a kitchen refit, and I checked two other firms first, both of which asked for far more paperwork. This one wanted just my payslips and bank statements, which was simple enough. The rate was competitive and the money arrived in my account the next morning.

Honestly the fastest and cleanest option I found for a bridging amount while we waited on the house sale. The team checked everything with me before approval so nothing came as a surprise later. The money was in our solicitor's account within the agreed window.

Took me about a week to get through the sign up because they wanted a few extra bank statements that I had to dig out. Once that was done the loan was approved quickly and the money came through on the day they said. Rate was lower than the other two I looked at, which is why I stuck with them.