Siraa

I needed a loan to consolidate a few credit cards and get the monthly payments down to one. Application was clear and I had a decision the same day. The amount came through promptly and the first direct debit went out exactly when I'd been told. Good service from start to finish.

Took out a small loan to cover a rent gap and used it straight away. Sent the application from my phone at work. Approval and money came through before my lunch was finished, all sorted.

Really happy with this, would use it again. Signed up on my phone on a Sunday evening, took about ten minutes with the bank details and ID photo. Decision came back before I'd finished my tea and the money was in my account Monday morning.

Compared with my bank overdraft, this worked out a fair bit cheaper for the sum I needed to borrow. I'm careful with money so I checked the numbers twice. Application took a few minutes and the money landed the next working day, no extras.

Compared with my bank's personal loan, which took about two weeks last time, this was done in an afternoon. Signed up on my phone and the money was in my account by the next morning.

Got the card for the first time and the activation was the slow part. It said three to five working days and it was closer to a week, and I had no way of checking where it was without ringing them. Once it arrived and I'd set the PIN the rest was fine.

Easy to sign up and the money arrived faster than I expected. Repayments are clearly shown in the app and I've not missed one. Would happily use again if I need a loan.

I needed money for a deposit on a flat and didn't want to wait weeks. Looked at three lenders and this was the only one that showed me the total repayable before I applied. It was clear and I went ahead. Money arrived fast.

Way quicker than the other loan app I tried. Other one kept asking for more documents, this one just needed my payslip and I was done. Money came through the next day, job's a good 'un.

I took out a small loan to clear the end of my car finance early. Repaid it through the app and it was all straightforward. The bit that dragged was the early settlement letter, which took nearly a week to arrive and I had to chase it twice. Fair enough in the end, but I'd like it sooner.

We had the boiler die in the middle of January and needed cash fast to cover the replacement before the landlord got involved. I'd applied with two other lenders before and both took ages, so I was braced for the same. This one told me yes within the hour and the money hit my account the next working day. Repayments come out on the date I picked, no fuss.

Compared with going to my bank for a personal loan, this was far quicker and I didn't have to sit in a branch. The application was fine. The only niggle is that the ID upload kept timing out on my laptop, so I ended up doing it on my phone. Once it was in, the money came through the following day.

Applied on my phone during my lunch break. Got a yes in about an hour and the cash was there the next morning. Took a bit of effort to remember my password but that's on me.