The LTL Shop

I needed a loan to cover a deposit on a flat and I know how these work, so I read the terms properly. The application asked sensible questions and the decision came back quickly. The money took a day longer than the site suggested, which was a bit annoying with a completion date looming. Otherwise it did what I needed.

We needed to cover a boiler bill that landed out of nowhere, so I looked at a few lenders before settling on this one. The form took about ten minutes on my phone and I got a yes the same afternoon. Money hit my account the next working day and the repayment schedule was clear from the start. Happy with it.

I used the loan to cover a new washing machine after ours packed up. The application took a few minutes and the approval was quick. The money went straight to the retailer's account the same day, which saved me a fortnight of waiting. Repayments are set to come out on the same date each month, which suits me.

What I used it for was a new fridge freezer and I went in wanting a clear monthly figure. The breakdown showed exactly what I'd pay each month and the total cost before I signed. I asked a question through the app and got a sensible answer the same day. Money landed in my account quickly and the payments have come out as promised.

Verdict is it's decent if you need a bit of cash fast. Application was quick and I got approved the same evening, though the money took a day longer than I hoped to show up. Repayment dates are easy to track in the app and there's nothing hidden in the terms that I could see. Would probably borrow again if the same situation came up.

Our car needed an MOT and a new exhaust and the figure was more than I had in the bank. I compared a few options first and this one had the simplest form. Approval took a couple of hours and the money reached my account the next morning. Repayments come out smoothly each month.

Way quicker than the lender I used last year, honestly. Form was done on my phone in the bus queue and I had a yes before I got home. Money landed the next day and I can see the repayment dates in the app. Nice and simple.

I compared a few options before going with this one and the rate was competitive. The application was straightforward. The only thing that stood out as a nuisance was the app login, which kept asking me to verify my details again. Once I was in, everything else worked well and the money arrived on time.

The app is really easy to use and I set up my repayments in seconds. My only gripe was the chat support, I messaged about a payment date and didn't get a reply until the next day. Otherwise it's all been pretty smooth and the money came quickly.

The verdict is that it works well for a short gap in cash flow. I know a fair bit about lending, so I checked the interest and the fees against the other options. The application was clear and the money reached the business account quickly. The repayment schedule matches what was shown at the start.

Compared with my usual bank, the application here was far quicker and I didn't have to sit through a long phone call. The approval came through within the hour, which I did appreciate. The money arrived promptly and I've had no trouble with repayments so far.

This is the one I'd go back to. I checked three other lenders and their forms asked for far more, and the rates weren't any better. The application was done in one sitting and I got a clear answer straight away. Payments are set up automatically so I don't have to think about them.

Got the whole thing done on my phone while waiting for the kettle to boil, honestly easiest loan application I've done. Approved within minutes and the cash hit my account the next morning. Used it to cover a new fridge freezer after ours died on a Sunday. Repayments are set up in the app so I don't have to think about it. Only thing is the chat box took forever to answer but I didn't need it.

We needed funds quickly after a family emergency, which is why I went looking. The form was short and the decision came back the same day. Money arrived before the end of the next working day. Repayments are simple to manage through the app.

Compared with the other lenders I looked at, this one was slower to get going. The application was fine but the approval took most of a day when the rivals took an hour. Once I had the money it was all straightforward, but I'd expected quicker given the advert.

Never borrowed before so I was nervous, but the site compared to my overdraft and this was cheaper. Signing up took about ten minutes. Money arrived in my account the next morning.

Took out a short term loan to get my van back on the road for work. The total repayable was clear on the screen before I agreed, which I liked. Money went into my account overnight and the monthly payments come out on the date they said. Does the job for a small amount needed quickly.

I wanted to top up my credit line for a kitchen refit, so I compared a few providers first. The app let me request the extra amount in a couple of taps. The new limit showed up almost straight away and I could spend it the same evening. Handy when you need it quickly.

The verdict is that it's good value if you need a small amount in a hurry. I'd tried another lender that charged more for the same term, so I went with this one. Application was painless and the funds arrived before the weekend. Repayments are easy to track and nothing has surprised me so far.