Selph

Took out a personal loan to cover a gearbox repair on my old Golf and the application took about ten minutes on my phone. Approval came the same afternoon and the funds landed the next working day. Interest rate was fair for my credit history and the repayment schedule shows clearly in the app. Sorted.

Way better than my bank for this, honestly, their overdraft fees are mad. Applied through the app on my lunch break, took maybe ten minutes and they said yes the next day. The money landed in my account quickly and the repayments come out on the date I picked. Really easy to see what I still owe too, which is nice.

Boiler died on a Sunday so I needed money quickly. Applied on my phone and it asked for the usual details, nothing too fiddly. Approved same day, money in by Tuesday. Very relieved.

Compared with the price comparison sites I use regularly, the rate on this one was a touch higher for my profile. Application went through without trouble and the funds came in the next working day. Repayments are as stated, which matters more to me than a fraction of a percentage point.

Needed the cash fast after my hours got cut and rent was due. Application was easy enough on my phone but they asked for a payslip twice because the first upload didn't go through. Money came through the day after approval, which was good. Repayments are fine so far but it took a bit of chasing to get the first one set up right.

What impressed me most was the gentleman I spoke with on the telephone, who took the time to explain each part of the agreement without making me feel foolish. My application was handled promptly and the funds reached my account within two working days. I appreciated the written summary sent by post as well. A sensible, dignified arrangement from start to finish.

Signed up on my phone while waiting for the kettle to boil. Took about ten minutes and the cash hit my account the next morning. Repayments come out when they should. Would use again.

Bought a short-term loan through the site to cover a deposit and the application itself was fine. The interest works out noticeably higher than the credit union I'd looked at, and I only realised once the agreement came through. Money arrived on time and the repayments are easy to set up in the app. Next time I'll compare the total cost more carefully before I go ahead.

Needed the money to cover a flight and some bits for a trip I'd booked, and I didn't want to be stuck waiting on my bank. Applied through the site on my laptop, the form was quick and easy to follow. Got approved that evening and the money was sorted before the weekend. Easy, no complaints.

The detail that struck me most was the plain-English summary they gave before I agreed to anything, which set out every charge in full. The application was thorough without being tiresome, and the decision came through within the hour. My funds arrived promptly and the repayment schedule has been kept to the letter. I found the whole arrangement entirely sensible and well managed.

This was my first time borrowing from an online lender and I went with the personal loan that the site suggested after a short questionnaire. The eligibility check let me know upfront whether I'd be likely to be approved, which saved me filling in a full application for nothing. Approval came through in under an hour and the money was in my current account by the next morning. The monthly payment date is flexible, which suits my pay cycle.

Looked at four different lenders before choosing this one because the rate and the fees looked clearest here. Signing up took a few minutes and I was told the outcome straight away. The loan was paid out quickly and I like being able to see the schedule in the app.

Looked at a few comparison sites and two other lenders before going with this one, mainly because the fees were laid out clearly. Applying was simple and the decision came back fast. Funds went straight to my account and I got a reminder before each payment is due.

Selph was the one I went with after comparing three or four other lenders, and I'd pick them again. The rate came out lower than the others I looked at, and the eligibility check didn't leave a mark on my credit file. Application was quick and I got a clear answer straight away. Very happy with it.

What struck me most was how long the approval took, nearly a day with a bit of back and forth over my payslips, which I hadn't expected from an online lender. Once it was sorted the money landed in my account the next morning and the repayment schedule was laid out clearly, so I was content with that side of things. I've used a few lenders over the years and this one was perfectly civil about the whole process.

Honestly one of the easiest bits of money admin I've done. Application took five minutes, got a yes that afternoon and the cash landed the next day. Only tiny thing was the app asked me to confirm my address twice, but that's no big deal.

Compared with my bank's overdraft this loan worked out a bit cheaper per month, and the app makes it easy to see what I owe. The sign up asked lots of questions about my job, which took longer than I'd like, but the decision came back the same day. Money landed the next morning and it has been smooth since.

Compared with the other lenders I've used over the years, this one still comes out ahead for the rate and the way they explain things. I've borrowed from them three times now. The only thing I'd flag is the bank statement upload, which took a couple of goes before it accepted the file and wasn't quite as smooth as the rest. Money arrived on time as usual and the repayments have never gone wrong.

I took out a personal loan to fund new kitchen units and the application form was clear enough, although the bank statement upload took a couple of attempts. Once approved the funds reached my account within a day or two. The monthly statements are easy to read and I've had no surprises so far.