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.

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.

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.

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 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 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.

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.