Your Moon Phase

I picked a loan to combine three credit cards into one payment, and I compared four different providers before deciding. The application took about fifteen minutes and the decision was clear. The loan was paid out to the cards directly, which saved me chasing it myself. The lower monthly figure has made a real difference to our budget, and the statements are easy to read.

Compared it against a couple of other lenders and this was the least hassle by a distance. The form asked fewer questions and the decision was clear. Money arrived quicker than my last loan elsewhere, and I could see the repayment schedule straight away.

Compared it with two other lenders I found and this was quicker to apply for, with fewer questions to fill in. The repayment bit was a little dearer per month than one of the others, though the total was in the same ballpark. Paperwork came through fine and the money arrived when they said it would.

Best option I found for a small loan with a decent rate and no credit check mess. Applied through the site at lunchtime, approved within the hour and the cash was in my account by the end of the day. Clear terms, clear payment dates, and the repayment is taken automatically. Simple.

We took out a loan to pay for the kitchen refit and I had been putting off borrowing for ages. The application was easy enough to complete and the staff were courteous when I rang with a question about the paperwork. The money arrived as expected. My only quibble is that the monthly figure is a little higher than I had worked out from the initial quote, so I did have to rework the household budget.

My bank wanted a lot more paperwork and a branch visit, whereas here I did the whole thing from my sofa in one sitting. Approval came through the same day and the funds reached my account on the next working day. Repayments are set up by direct debit and I have had no problems at all.

We needed the money quite urgently when our boiler packed up in January, and I was relieved to find a lender that could move quickly. The forms were straightforward and the staff explained each step to me patiently. The funds came through as promised and I have had no trouble with the repayments since.

Compared it with the big high street bank website first and this was a fair bit cheaper for the same loan amount. Applied on a Tuesday evening, got an answer by the Thursday and the money landed in my account the following Monday. Repayments come out on the date they said they would. Only thing is the phone line was closed when I wanted to ask a question, so I had to wait for an email reply.

Needed a loan to get the van serviced and new tyres before the work started. Checked the monthly figure and the total cost against a couple of others and it came out cheapest for what I wanted. Money landed quick and paying it back is simple.

The app is the best bit, you can see exactly what you owe and when. Money came through the next day which was fine. Took a bit longer than I thought to upload my ID though.

Needed cash fast after my car failed its MOT and I had to get it fixed before the weekend. Filled in the form at work during a break, got a yes within the hour. Money landed the same evening so I could pay the garage on Saturday morning. Repayment dates are in the app and easy to check.

Worth it if you need a small loan and want the money fast. Got the cash in my account before lunch and the monthly payments are clear on the app. Didn't have to send in any payslips beyond the bank statements they asked for.

Took out a loan with them for the car repair and it was the third time I have used them over the years. The application took about ten minutes on my laptop and the decision came back quickly. Money arrived the same afternoon. Customer service has always been polite when I have rung up, though the wait on hold was a bit long this time round.

The interest rate was the first thing I noticed, and it was higher than I had hoped, though the representative figure was shown clearly before I agreed. The process itself went smoothly enough once I had submitted my details. The money arrived a day later than they had indicated, which was a little frustrating, but the repayments have gone out correctly so far.

The repayment calculator on the site was the thing that sold me, it let me play with the amount and term before I applied. Once I applied it was quick and the money arrived the next day. First time borrowing so I was glad the terms were explained without jargon.

I was really nervous about taking out my first loan, but this was way simpler than I expected. The checks were fair, the terms were laid out in plain English and the money hit my account the next working day. Repayments are automatic and the schedule is in the app. Would happily use them again if I need to borrow in future, and I told my flatmate to look at it too.

I needed a loan to cover some uni costs that the student finance did not stretch to. I was not sure if I would qualify so I was relieved when the decision came back quickly. The application was easy to follow on my phone, and I could see exactly how much I would be paying each month. Money came through the next working day.

Of the four lenders I looked at, this one gave the clearest breakdown of costs and the most sensible repayment length. I was sceptical at first but the process was straightforward. The funds arrived promptly and my statements have been correct every month.