Found Satsuma online when payment for a job I had done was very late in coming through. Needed some cash and breathing space. Application was very simple and had the money in my bank within a couple of hours...amazing service. Yes the interest rate is a bit steep, but I have had a few problems in the past so walking into the bank was not an option for me and I understand they are taking a risk. Repayment is very easy and is taken every Monday morning (You can choose your days). Have dealt with Provident over the years so pleased I was dealing with an established company that I knew.