CarMoney

Honestly they're good for a loan, I've been borrowing from them on and off for about six years. The rate was higher than I'd like this time round so I'd shop around first. Everything else has been fine, the online account is simple and I've never had a payment go wrong.

Got approved first go which was a surprise, I thought my credit was a bit dodgy. Money landed the next day and the app shows exactly when each payment goes out. Easy, no complaints, cheers.

Compared with the figures on the comparison sites, the rate I was actually offered was higher than I expected. I understand it depends on your own circumstances, but I had hoped for something closer. The process itself was smooth and I did get the funds when promised. Just didn't feel like the best deal I could find.

I needed a loan to buy a second hand car for my wife, as her old one had finally packed in. The application was fine but the checks dragged on for longer than I'd been told, and I had to ring them twice to find out what was holding it up. Once it was approved the money came through as expected. It's not the speediest lender I've used, though it did get the job done in the end.

Took a small loan to cover some home repairs and the total cost worked out cheaper than the credit card I was using before. The application took about ten minutes online and I had the money the next working day. Monthly payments are set up by direct debit so there's nothing to chase. Would have given it five but the early repayment info was a bit hard to find on the site.

Paid the loan off six months early and wanted to know if there was a charge. There wasn't, I just used the app to make an overpayment and it cleared the balance and closed the account. Took a couple of minutes and I got a confirmation email the same afternoon.

Compared to my bank, getting approved here was much quicker, I had an answer within the hour. Funds went in the next working day. Only thing is the interest is a bit higher than the bank would have charged, but I needed it quick.

I took out a personal loan to have our kitchen replaced, which has been long overdue. The application was straightforward and the adviser on the phone was patient with my questions. The funds arrived promptly and I have been making my monthly payments without any bother.

The app is the first thing I noticed, it's clean and you can see your balance and next payment without digging around. Applied for a small loan for a new phone and bits for my flat. Money hit my account the next day, which was quicker than I thought. Interest isn't cheap but it's clear what you're paying.