Y Live Community (previously PopulusLive)

This was the best option I found after comparing three other lenders, and the offer was clearest here. Applied online, got the decision in minutes, and the funds went into my account the same afternoon. Monthly repayments are taken without any fuss.

I've used them for years now, and what keeps me coming back is how they remember the payment arrangement I set up before. Compared with the bank I used to have, the process is simpler and I can usually get an answer the same day. Staff on the phone have always been patient with me.

Needed to cover a dentist bill before the weekend so I applied on my phone in the queue at the shop. Got an answer quickly and the money was in my account before I got home. Would use again.

The loan itself was fine, but I'd been comparing rates with a few of my mates in the trade and this one's on the pricier side for the term I picked. The application was straightforward and the team were polite when I rang with a question about the fees. Money arrived when they said it would.

I took out their personal loan to consolidate two credit cards, which is what I'd recommend anyone do if they're juggling balances. The application asked sensible questions and the offer came through quickly. Money arrived within a day and the monthly payment is easy to track in the app.

Compared with the high street lenders I looked at, the rate here was a fair bit lower for the same amount. The application took longer than I expected because they wanted several months of payslips. Once that was in, the decision was quick and the money landed the next day.

I've been borrowing from them since about 2015 so I know the process inside out by now. The last time I wanted a top up it was done the same afternoon and the money hit my account the next working day. No faff with the forms and the rate has stayed sensible compared with what I used to get. Staff on the phone have always been patient when I've had questions, which I appreciate.

Needed to cover a garage bill quickly and applied on my phone during a break. The decision came back fast enough but then the money took two working days to arrive, which was longer than I'd hoped. Support replied to my question about it the next morning.

Compared with my bank's overdraft, this was way cheaper for borrowing the same amount over a few months. First time I've used a loan like this so I was nervous, but the steps were clear and the money landed the next working day. I'll probably use them again if I need to.

Needed the money for a flight home that was going to cost me a fortune if I missed it. Applied on my phone at work and had a yes within minutes. Money was in my account before I'd finished my lunch.

I've used the top up option on my existing loan, which saved me reapplying from scratch. The paperwork was minimal and the extra funds showed in my account by the next morning. Only thing is the early settlement quote took a few days to come through when I asked.

Got a loan for my car insurance top up and the app was really easy to use. The thing that stood out was that the first message from their support team took nearly two days to come back, which was annoying when I had a question about the payment date. Once that was sorted the rest was fine, so not a massive issue.

I used their online repayment calculator before applying, which let me test different loan amounts and terms until the monthly figure was right for me. Applying through the portal was quick and the paperwork was just a photo of my ID and a payslip. Funds reached my bank within a day and the repayments come out on the date I picked.

Been borrowing from them on and off for years and it's always the same, quick decision and the money in my account when they say. I like that they don't make you jump through hoops. Customer service has always answered my calls without a long wait.

Honestly I got a loan sorted on my phone while waiting for the bus, which felt weird but it worked. The app asked for my bank details and a selfie which took a few tries because the light was rubbish. Once that went through it was dead quick and the money was in by the next day. Repayments come out automatically so I don't have to think about it, which is well good.

Way easier than trying to get an overdraft increase from my bank. Applied on my phone during a lunch break and it was sorted that afternoon. Only annoying bit was the card reader thing kept timing out on my laptop, so I used my phone instead.

Honestly the bit I liked most was that I could sign up in the app without ringing anyone. Took about ten minutes and they told me the answer straight away. Money came through the next day and the repayments come out on time. Nothing to moan about really, would use again.

Honestly the quickest loan application I've done, filled it in on the bus and had an answer before I got off. Money landed in my account the next working day. Repayments come out on the date they said they would, no faff. Would use them again, just need to sort my budget first.

Needed a short loan to cover a van repair when the bill landed out of nowhere. Application was simple enough and the money came through the next working day. Rate was a bit higher than I'd hoped but it was clear what I'd pay back each month, so no complaints.

I took out their debt consolidation loan to pull three credit cards into one payment. Quote was clear, the form was short and the money went to the lenders I named within a couple of days. Easy to see how much is left on it now.