The whole lending process was easy and on-line. Decision was very quick and the transfer of funds instant. A very flexible approach to repayments, even a chance to delay your first payment for up to 10 days after the original date was set. Customer Service is excellent and any hitches with payments are dealt with fairly and sympathetically. Service agents make you feel at ease and are not pushy or forceful. Sometimes the weekly payment system is a bit of a bind and whilst it allows you to repay in manageable chunks , a monthly repayment maybe a useful additional choice.