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My car needed new tyres quite suddenly and I was short on cash, so I went looking for something quick. The application took about ten minutes and I got approved the same day. Repayment schedule was clear on the screen before I signed.

the app is dead easy to use, like you can do the whole thing in bed on your phone and nobody has to know. Sent in my details at about 11pm and had a reply by the morning which was pretty mad. Only had to upload one photo of my ID and it went through first time. No idea why people make a fuss about this kind of thing, it was just easy. Would use again if I needed to.

Needed it urgently because my boiler packed in on a Friday. Signed up on my phone in the car park at work and they got back to me within the hour. Sorted, thanks.

Honestly this was sorted in an afternoon, which is about the best I could hope for. Signed up on my phone on the bus, uploaded my payslip and got a decision before I got off. Money in the account by the next morning. Fine by me.

Compared to my old bank this was miles quicker, I had the whole application done on my phone during my lunch break and the decision came back before I'd finished my sandwich. Didn't have to ring anyone or wait for a letter. Money landed in my account the next working day, which is about what they said it would be. Only just, but I'm a happy customer.

Needed a bit of cash for a flat deposit and couldn't wait for a payday. Filled in the form on my phone while waiting for the kettle. Got a yes within the hour and the money came through the next day.

The detail I appreciated most was the clear breakdown of each payment on the statement, showing how much went to interest and how much to the balance. I have found that most lenders are vague about this. Everything arrived on schedule and the account is easy to manage online.

I know a fair bit about personal finance and I compared this against the bank's own personal loan, and this was clearly better on the APR shown. The application ran through a credit check that didn't leave a mark on my file, which I was glad of. Money arrived in my account the following working day and the repayments have been set up exactly as promised.

Did the whole thing on my phone while waiting for the 47. Got approved in about ten minutes, which was mad. Money came through before I got home. Repayments come out on the day I asked for, no fuss, no calls. Would use again if I ever need it.

I looked at three or four options before picking this one, and compared to the rest it came out clearly ahead on the total repayment figure. Application was simple and the decision was quick. Customer support answered my question about early repayment within an hour.

I found myself needing a little help with the household bills while my husband was in hospital. I did wonder whether I was doing the right thing, but the people I spoke to were patient and explained everything carefully. The money arrived when they said it would, and I have been very pleased with the way things were handled.