Easy enough to get the money. The rate they offered was better than I could get elsewhere with currently fairly meh credit (although apparently still well above average. Go figure). However, they make it unnecessarily difficult to make extra payments, needing an application each time to be processed by an individual in the team taking "3-4 working days" (only learnt when finally submitting such a request). Where they have all the information already in my app, it makes no sense why this isn't just a simple button somewhere (as with, for example, Halifax loans). Where interest is charged daily, this is quite frustrating for someone trying to prune their debt, and quite discouraging to someone trying to develop their fiscal responsibility. Their penalty for overpayment is also significantly higher than other vendors, but I knew this more precisely going in (always read the T's & C's). I tried then to chat to a representative in the app (which unnecessarily and unavoidably makes a popping sound at you), but since no one was available it autoclosed on me, rather than putting me in a queue. NOT a 5-star company at all for customer-focused values. Not even a four star. Definitely just in it for their own pockets.
Reviewed on: 24th January 2024
