TroubleBuddy AI

Having used a few credit cards and overdrafts over the years, the fixed repayments here are a much cleaner way to borrow. The interest works out lower than my card and the schedule shows exactly when each payment goes out. Set up took a short while and the funds were in my account the next day.

I took the payment holiday they offer after my hours got cut and it was dead easy to set up through the app. Shortlisted a couple of other firms first but none of them had that option without a fuss. Took about five minutes and the schedule updated straight away.

Compared to the bank overdraft I'd normally use, the rate here worked out considerably lower for the amount I borrowed. I checked two comparison sites before picking them and their total cost came out better. Setup was quick and the funds landed the same day I was approved.

I'd been with them for a while and wanted to move my repayment date to fit around my pay day. Went through the online form, which took about a minute, and the change showed up on the account the same day. Ideally the app would let you do this without a form but it works fine.

I'd never borrowed money before and I needed to cover a deposit on a flat, so I was quite nervous. The whole thing was explained clearly on the site, from the application through to repayments. Approval came back within the hour and the money arrived the next morning. Felt like they actually cared that I understood what I was signing up for.

I first needed a loan to fix the boiler and I've come back to them a few times since. What I like is the way they handle repayments, which have never gone wrong for me in all the years I've used them. Applying the second time was even quicker because they already had my details on file.

Filled it in on my phone during lunch and got a decision before I'd finished my sandwich. Money was in my account by the evening, which is exactly what I needed for rent. Repayments are set up automatically so I don't have to think about it. Used the app to check the balance a couple of times and it's pretty clear. Would use them again no problem, nothing to complain about really.

Honestly the best bit is that the money landed the same day I got approved, so no waiting around. Looked at a couple of others first and this one had the lowest total to pay back. The app is easy to use and shows you exactly what you owe each month. Set up took a few minutes on the sofa and that was it, I'd use them again if I needed to.

Compared to the overdraft my bank offered, this came out a fair bit cheaper over the same period. I'd checked three providers and this was the one with the clearest breakdown of what I'd pay. The sign up was quick and everything came through on the day I was told.

I've borrowed from plenty of places and this beats my last provider by a long way. The interest is lower, the fees are clearly listed up front, and the app shows the whole schedule without me having to ring anyone. Applied on a Monday and the money was in my account by Wednesday, which I was really happy about.

Before this I looked at three other lenders and this was the only one that showed me the full repayment figure before I had to put any details in. The application took maybe ten minutes on my phone and the decision came back the same afternoon. Money was in my account by the next morning, which is exactly what I needed.