I have had two agreements now with Startline - my credit is not the best, but I have always been offered a fair agreement, which has been affordable for me. The customer service is fantastic, only small waiting times - if there is ever one, they respond quickly to your requests too! I needed a settlement figure ASAP, and they had it to me via email before my call even ended. I think if you ever needed finance: I wouldn't suggest startline would be the cheapest, but with great customer service, not so scary policies and a simple and straight forward process - I would recommend startline.