With Agency

Rate was lower than the high street options I checked, so that is the main reason I went with them. Paid back early without any fuss. Good value and no hidden fees that I could see.

My car failed its MOT and the garage wanted paying before they'd release it. Needed the money fast so I went with them. Application was quick and I got a decision the same afternoon. Happy with it so far.

I took out a small loan and the early repayment option was the specific thing that persuaded me. When I cleared it sooner than planned, the calculation was shown plainly and no charge was taken. The customer service adviser was patient and courteous on the telephone. I am glad I chose them.

Compared to my bank it was miles faster, no branch visit and no waiting on hold. Did it all on my phone during my lunch break. Money came through before I'd even finished my sandwich. Would do again.

Money landed in my account the next working day, which is exactly what I needed. Application took about ten minutes on my laptop and I only had to upload one payslip and a bank statement. Rate was fair compared with the other lenders I looked at, and the repayment schedule shows up clearly in the app so I know where I stand each month. Would use again.

The app was the thing that got me, honestly, it's so much easier than my old bank app. Signed up on a Sunday evening and the loan was in my account by Monday lunchtime. Repaying is just a tap and I can see exactly how much is left. Didn't think a loan could be this painless tbh.

Was short for rent and needed something fast. Filled it in on the app at night and the money was in by morning. Easy process, no faff. Would use them again if I'm in a pinch.

Never borrowed from a lender like this before, but needed a bit extra for a car repair. Application was pretty straightforward and the decision came back the same day. Repayments come out on the date I picked. Slight annoyance that the app is a bit slow to load the statements, but it works.

This was my first time using them, and I took a short loan to cover a deposit on a flat. What I used most was the online dashboard, which shows the balance and the next payment date. The money landed the morning after approval, which I didn't expect. Customer chat answered my questions quickly.

Compared to my credit card this was way cheaper for a one-off amount. Applied on my phone while waiting for the bus. Money was in my account by teatime. Sorted.

Compared with my last lender this was rather more involved, with several requests for the same documents. The approval took closer to three days than the one I had been quoted, and I had to chase it by phone. Once it was approved the money arrived without trouble and the repayments have been handled properly. Fair enough in the end.

Money hit my account before lunch the next working day, which was the bit I cared about. Filled the form in on the bus, took about ten minutes, and the approval came back while I was still on the train. Repayments come out on the date they said and I can see the balance in the app. Nothing to complain about, just did what it said.

Compared with my bank this was dearer, so I'd say shop around first. Process was quicker though, and I got the money the same day I applied. The interest rate is the only real downside for me.

Got the loan and the money turned up when they said it would. The app is a bit clunky when you try to change a payment date though. Still, it gets the job done.

What struck me most was how quickly the approval came through, within the hour of sending in my documents. I had been expecting a long wait, having been let down elsewhere before. The adviser who rang me was courteous and took the time to explain each figure, which I appreciated greatly. The funds reached my account the following morning. I am very pleased with the whole arrangement and would happily deal with them again.

A sound and sensible lender, which is what I was after. The application was clear, the approval was given in good time, and the monthly payments have been collected without any error. I would turn to them again should the need arise, and I have said as much to my son.

Went with a fixed term loan over the credit card I usually use, mainly for the set monthly payment. Compared three providers first and this one had the clearest terms. Took a little longer than I hoped to get a reply to one question, but the money arrived when promised.

Have been borrowing from them for years now, so I know how they work. Why I keep coming back is that the renewal is painless and the payments are always taken on time. Nothing has ever gone wrong with a transfer. Happy to keep using them.