UserTrail

I considered my options carefully before borrowing to fund a conservatory extension. The terms were set out plainly and I was given time to read them before agreeing. The funds arrived as stated and the monthly payments have been collected without any problems. A dependable service.

What got me was how fast the identity check went. Took a selfie and a photo of my driving licence and it was done before my tea went cold. Money hit my account the same day which was mad.

Compared to going through my bank this was miles faster for a small loan. Applied on my phone during a lunch break and the money was in my account by the next day. Really easy to use.

I used them to borrow for a second hand van and they were quick about it. The money came through in a couple of days which was all I needed. Simple repayments and no surprises.

My car needed a new clutch and the garage wanted paying before they would release it. I needed something quick and I did not want to pay the high rates some of the big names charge. The rate here was lower than the other two I checked and the money landed the same afternoon. Good value for what I needed.

Honestly switched from my bank's own app and this is so much quicker. Got approved for the loan in about ten minutes on my phone and the money was in my account the next morning. Repayments come out on the right day every month, no faff.

I needed a short term loan to cover a rental deposit before my new job paid out. Looked at three providers and this one had the clearest terms. Applied on a Sunday evening and had an answer by morning. Simple.

Used to borrow through my bank and this beats it on speed. Applied for a loan for a new van, got an answer the same day and the money was in quickly. Compared to the bank it is far quicker and the paperwork is lighter.

I first used the service when I needed to top up my pension income for a new boiler, and I have come back to them three times since. The application is still the same simple form it was years ago. Every repayment has been taken on time and the statements arrive by post in plain English. I have never had a reason to complain.

This is a solid service and I have been with them for a good few years now. I took a small loan to cover a dental bill and paid it off early without any fuss. The online account shows exactly what is owed and when. Would happily use them again if I needed to.

I applied for a loan to have the kitchen refitted, which I had been putting off for a long time. The paperwork was clear and I was told the outcome within the hour, which I appreciated. The funds were transferred to my account promptly and the first repayment was taken exactly as explained. I found the whole arrangement sensible and well run.

I have borrowed from them several times over many years and they have never let me down. The latest loan went towards replacing the car and the money arrived as promised. The repayment reminders keep me on track and the balance is easy to see online. Glad I stuck with them.