polinetmoi

I needed to cover a gap between contracts and my usual bank wanted weeks to decide. I've used short term lending before so I knew what to expect. The application was clean, the decision was fast, and the funds reached my account the same day. Repayments are set up by direct debit and the cost is laid out up front, which is what I want from a lender.

Yes, it does what you need it to do. I applied for a short term loan on a Tuesday lunchtime and had an answer before I'd finished my sandwich. The form asked the usual things, no surprises, and the cash landed in my account by the next morning. Repaid it early and there was no fuss at all, just a message to say it was settled.

I used the top up feature on my existing loan to cover a last minute train ticket and a bit of rent. It took about two minutes in the app, no extra forms to fill in, and the money turned up the same afternoon. I like that I can see exactly what's left to repay and when the next payment comes out.

Compared with my last lender this one is a bit slower to approve, the checks took the best part of a day. Once it was approved though the money arrived on time and the repayment dates are clear. I've been a customer for a few years now and the account has been fine. The only gripe is that the app logs me out every few days and I have to sign in again.

Got a small loan to cover my phone bill when payday was late. Signed up on the app in bed, got the money before I got up. Repayments are taken off on the date they said, no faff. Would use again.

Needed it for rent after my hours got cut. Applied on my phone on the bus, got a yes within the hour, money landed next morning. Repayments come out when I'm paid so it's easy to keep on top of.

Compared with the bank overdraft I'd been using this was much simpler, I filled the form in on my phone during my lunch break and had an answer before I'd finished my sandwich. The money landed in my account the next morning which was faster than I expected. Only thing I'd mention is I had to upload two bank statements, but that was easy enough once I found the right button.

The little countdown showing days left on my repayments is the bit I actually like. It's a small thing but it stops me forgetting a payment. Applying was quick and the cash came through the next working day. Only thing I'd change is the font size on the terms page, it's tiny on my phone.

Our boiler packed in just before the cold snap and we needed cash to cover the engineer quickly. I've been with them on and off for about six years now, mostly for small amounts. The top up was simple to set up through my online account and the money reached my bank the same day I asked. Repayments have never once gone wrong for me.

I was given the name of this company by a friend who had used them for a car repair loan. I found the process very simple and the team who handled my application were courteous throughout. The funds reached my account the following morning, which suited me very well, and I have made every payment on time without difficulty.

Looked at four different options before picking these and this was by far the easiest to use. The form is short, the terms are laid out properly, and I got a decision in under an hour. The money arrived the next day and I've had no issues with the repayments since.

I've been borrowing from them for a few years now and they have never let me down. The top up is quick, I just log in and it's done, and the repayment reminders arrive a few days ahead so there are no surprises. Good solid service.

My car needed an MOT repair and I was short until payday. Found them on a search and the application took about ten minutes on my phone. Got an answer quickly and the money was in my account the next working day.

Honestly they were the quickest of the lot I tried. Checked a couple of other lenders first and this was the only one that gave me a clear answer straight away. Applied on the site, uploaded my payslip, and the cash was in my account before the next morning. Repayments set up themselves so I don't have to remember anything.

I was a little nervous about borrowing online but the forms were laid out sensibly and I was able to follow each step without any trouble. When I rang with a question the young lady was most helpful and explained the repayment schedule in plain terms. The funds arrived in my current account promptly and I have found the whole process perfectly satisfactory.

Compared with the high street credit card cash advance I'd normally use this was a good deal. The fees were lower and I could see the full cost before I signed up. The money arrived overnight and I've been paying it back in small chunks. Only downside is the app is a bit slow to load on my older phone.

Went with them over the bank because the bank's app kept rejecting my details. Their form took me about five minutes on my phone and the money landed the next working day.

I went for their short term loan after comparing three or four lenders online. The application itself was fine but the ID check kept failing on my first attempt so I had to upload a clearer photo of my driving licence. Once that was sorted the money came through the next day. Price was on the higher side next to one of the others I looked at, though I did pay it back early so it wasn't too bad.

Signing up took longer than I'd like because the ID check kept timing out on my phone, so I had to switch to my laptop. Once that was sorted the rest of the process was smooth and the money came through the same day. I'd still use them again but the ID bit needs a bit of work.

The application took about two minutes but approval was another matter, the checks took the best part of a day and I'd been hoping for something quicker given the amount. I've taken out several short term loans over the years so I know how these things usually run. Once approved the money came through fine and the repayment dates are clear in the app, though the interest works out a bit higher than my last one.