Refsee

I wanted to pay off a credit card that had crept up and this loan was the one I picked. Booking the application took about twenty minutes including the bank details step. The cash came through the day after approval and the first payment went out exactly as the schedule showed. Easy to follow for someone who doesn't love money admin.

Needed the money fast for a car repair that wouldn't wait. Signing up was quick enough but the ID check kept failing so I had to upload my passport twice. Got there in the end though.

I compared four different lenders and this was the one that gave me an instant answer on the spot. I booked the loan on my phone while waiting for a bus. The cash showed up in my bank that evening and I've paid the first instalment already.

The renewal reminder came through a month early which gave me time to shop around, and the quote was about forty quid less than what I was paying before. The only niggle was the form asked for my old policy number twice, which took a bit longer than it should have, but otherwise it was simple enough and I got the new documents by email the same afternoon.

Compared to my old lender this was miles easier, no paper forms and no waiting for a call back. The whole thing was done on my phone in a few minutes. Money landed the next morning and the app lets me pay early without any fuss.

I needed a quick way to get a deposit together for a flat and my savings account was too slow. Signing up took about ten minutes and the approval came through quicker than I expected. The only thing was the statement emails arrive a bit late each month, so I end up checking the app myself. Otherwise it did what I needed it to do.

I'll say first that the paperwork came through in good time and was clearly laid out, which I appreciated. When I had a query about the early repayment figure the adviser on the phone was patient and explained each number. Nothing was rushed and I was kept informed at every step.

This is a really good option if you've never borrowed before. The sign-up asked sensible questions and I got a decision straight away. Paid in quickly and the repayments have come out on time.

Of the three lenders I compared this was the one I went with, and I'd pick it again. It was clearer about the costs than the others and the application didn't drag on. The money turned up quickly and the repayment reminders have been useful.

I've used them for three years now so I know the setup well. The option to move my payment date by a few days without a penalty is the bit that matters most to me, and the app shows the change straight away.

I looked at a few options before settling on this, and the sign-up was the most annoying part of the lot. It asked me the same details twice and the approval took longer than I'd hoped. The money did arrive and the repayments have been fine, though I'd have liked it quicker.

Compared to the building society this was far more straightforward, I'd been sent between departments there for weeks. The initial form took some time but the decision followed in a couple of days. My only small complaint is that the customer line closes earlier than I'd like.

This is the one I'd point people to, the process is well managed from start to finish. The application was handled in a reasonable time and I was told exactly what to expect at each stage. The funds reached my account when promised and the repayments have run without any difficulty since.

I've used them a couple of times now and they are dependable. The money arrives when they say it will. This time the total cost came out higher than I'd worked out from the quote, and it took a while before I understood why. It's fine but I'd want to check the full figure carefully before agreeing.

Compared with going into a branch, this was much less bother, I did the whole thing from my kitchen table. Approval took a little longer than the app said it would, perhaps a day, but the money then came through without any issues. The repayments are taken on the date I chose.

I'd been using their fixed repayment plan option for a while and I know how it works now. The schedule is set out at the start so there are no surprises. Only niggle is the account page is a bit slow to load on my older phone.

I needed the money to cover a dental bill that came out of nowhere. The application form asked for a fair amount of detail which took me a while to fill in properly. Once submitted it was looked at promptly and the funds reached my account on the next working day.

Compared with going through my bank, this was far quicker and I didn't have to sit on hold for half an hour. The application was straightforward and I was given a decision the same afternoon, which I wasn't expecting at my age. The money arrived in my account the next working day and the repayment schedule was set out clearly in a letter. I'd have no hesitation using them again if I needed to.

Honestly the bit that got me was the repayment tracker in the app, it shows exactly how much is left and when the next payment comes out. I was on the bus when I signed up and it took maybe fifteen minutes from start to finish. Money went in the same day. Happy with it so far.

took out the loan on my phone last month. app was easy, got approved in like an hour and the cash hit my account the next day. paid off the first instalment with the reminder they sent, no faff at all.