Mowbi

I used to go into my local branch for everything, which meant queues and a lot of waiting. This has been far simpler since I switched to it years ago, and my repayments come out on time every month without any fuss.

Yeah this is decent. Quick to sign up, money came in fast and it's cheaper than the other ones I checked. The app is easy to use and I've not had any problems with my payments so far.

Been a customer for years and it's always been fine, but this time the approval dragged for almost a week. They kept asking for the same proof of address and I had to ring twice to find out what was holding it up. Once it cleared, the money was in my account the next morning.

Honestly, I've been with them for well over a decade and they have never let me down. Each year my statements arrive clearly laid out, the rate has stayed fair, and when I've phoned, someone has picked up within a couple of minutes. For a service that handles my money I couldn't ask for more, and I've told my son to use them too.

Used the repayment calculator on the site to work out a three year loan for a new kitchen before I applied. It was spot on, which is the main reason I went ahead. The actual application took a bit longer than I'd like because they asked me to re-upload a document that was blurry, but the decision and the payout were quick once that was sorted. Would use them again.

Needed a bit of money for an annual train pass that was due before my wages came in. Did the application on my phone during lunch and it was approved while I was still eating. The money arrived by the next afternoon and I've not had a single problem since.

Took out a short term loan through the app last month. Application was quick enough but the first payment got held up for two days because they wanted a bank statement I'd already sent. Once it went through it was fine.

Needed help with a new boiler bill that came in before my pension. Been with them for years and they've never let me down, the app is easy enough and the money came through the same day.

Honestly it's good value if you need money fast. The rate was lower than the other lenders I looked at, and the total repayment was clear from the start. The only thing I'd flag is that the early repayment process was a bit fiddly and needed a phone call.

Bought a prepaid top up card through the site for my daughter's phone. Cost less than buying it in the shop and the code came through by email within a minute. Nothing more to say really, it did what I needed.

The monthly figure was the first thing I noticed, it came in under what my old credit card was costing me on the balance I was carrying. I did the sums twice because I didn't trust it at first. Signing up took a while with all the ID checks but nothing went wrong. Money arrived in my account the next working day, and I've had no fees pop up since. Good value for what I needed, nothing more to ask.

Compared with the high street lenders I checked, the monthly cost was noticeably lower and the paperwork was far less. I had to read through the terms twice to be sure I understood the fees, but once I did it all made sense. Repayments have gone out on the right days so far.

The app is what got me. Balance, next payment and the payoff figure are all on the home screen, so I don't have to dig around in emails. Setting up a direct debit took about a minute. Money came in the same day I was approved and it's been reliable since, which is all I really want from something like this.

Needed a bit of cash before payday so I signed up on my phone. It took about ten minutes to fill in and the money was in my account the next morning. Only thing is the repayment date is a bit close to my pay day, so I had to move some money about.

I can say with confidence that this is a sound and sensible service for anyone who wants to manage their borrowing without fuss. The application was clear, the staff were courteous when I rang with a question, and the money arrived when promised. I would have no hesitation in continuing to use it.

I'd been with a different lender for a couple of years and this one beat their rate on a refinance, which was the reason I switched. The move itself was straightforward, they took over the paperwork and I only had to sign a few things. Everything is running smoothly so far.

Compared with the overdraft on my bank account, this was far cheaper for the amount I needed to borrow. I'd been dreading the process but the online form was pretty clear and didn't ask for loads of paperwork. Approval came through in a day and the money arrived the next morning. First time I've borrowed from a lender like this, and it went smoother than I expected.

Used it to cover a gas bill that was due before my pay came in. The money went straight to my account once I'd accepted the offer, and I paid the first instalment through the app without any trouble. Simple and nothing hidden in the terms that I could see.