MonoSurveys

Needed money for rent and they got me sorted in an afternoon. Filled it in on my phone while waiting for the bus, decision came quick and the cash was there the next day. Pretty happy with it, will probably use them again if I need to.

Applied for a loan at night on my phone and got approved before I went to bed. Money was in my account in the morning. Quicker than my mate's experience with the high street bank.

The app shows my balance and when the next payment comes out, which is nice. Took a while to find where to change my bank details though. Got the loan without any drama.

They are fine for a personal loan and the rate was competitive. The only annoyance was the phone line, I waited about twenty minutes to speak to someone about a payment date. Otherwise the whole thing went smoothly and the money arrived when promised.

Compared them with my bank's personal loan and they came out a fair bit cheaper on the monthly payments, which is why I went with them. The application took about ten minutes and the approval came through quicker than the bank managed last time. Only thing is the customer chat closes early so I had to wait till the next day to ask a question.

Needed a small short term loan to get through a gap before my wages came in. The form asked the usual questions about income and outgoings and it was done in about fifteen minutes. Money landed the same day I was approved.

Used the loan to clear my overdraft which was costing me a fortune in fees. Money went in the same day and I was able to pay off the overdraft straight away. Monthly repayment is manageable and fits my budget.

Needed a quick loan to cover a car repair and didn't have time to faff about. Applied on my phone during my lunch break, got a decision the same day and the money was in my account by the next morning. Repayments come out on the date they said they would. Would use again.

Compared this with paying a balance on my credit card and the loan is noticeably cheaper per month, so that was the deciding factor. Signing up was quick enough, though the password reset emails took a while to arrive. Money came through without any trouble.

Honestly this is the first time I've borrowed anything so I was nervous about it. They explained the repayment schedule clearly before I signed and the app shows exactly what's left to pay. Application was straightforward and approval came back within a couple of hours. The money reached my account the next working day and the first payment has gone out on the date I was given.

What got me was that they run a soft credit check first so my score wasn't dinged just from seeing what I could get. I'd looked at four other lenders and none of them said that up front. Got a clear quote before I committed to anything, which made the choice easy.

Had a letter from HMRC saying I owed more than I expected and needed to pay it within a month. Used them to borrow the difference, the form took about ten minutes on my laptop and the money was in my account by the next morning. Repayments come out on the same day each month, which is handy.

Took out a consolidation loan to bring three credit cards into one payment. The money went straight to the cards I asked for, which saved me a lot of messing about. Interest is reasonable for what it is. Happy enough with it.

Borrowed a small amount to cover rent when my wages were late and the money hit my account the same afternoon. Interest was clearly shown before I signed and I only paid back what I expected, no extra fees turned up. Good value for a quick short loan.

Have been borrowing from them on and off for about six years now and they have never let me down. Sign up is quick if you already have an account and the statements are clear. The payments always leave on the right day and I have never had to ring anyone about a problem.

Needed to cover some bills after a boiler breakdown and this was the quickest option I could find. Application took around twenty minutes and I got the money the following day. The repayment date is a bit later in the month than I'd like, but I was able to change it online.

Before going with them I checked the cheaper brokers and two of the big online lenders. Their total cost came out higher than one of the others, but the approval came through faster and the terms were easier to understand. The application asked for the same details I'd seen elsewhere, so nothing unexpected there. Paperwork was all emailed to me which I appreciated. Repayments have been fine so far.

I've used them for a few smaller loans over the years and the process has barely changed, which I like. Forms are simple and the money turns up on the day. Repayments are set up automatically so I never have to think about them.

Needed the money in a hurry but the application got stuck asking for a bank statement twice. Took three days of back and forth before it was approved. Money arrived when they said it would once everything was sorted.

Got a small loan to put towards a second hand car. The money went to the seller once I'd sent the paperwork across, which was a bit slower than I expected because I had to wait for a document to be verified. The interest is a bit steep compared with my friend's loan.