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.

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.

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.

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.

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.

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.