I felt cautiously optimistic. Terms and APR examples were clear, which reassured me. Decision took longer than I hoped, so a bit of frustration there. Still acceptable.
From eligibility notes to privacy, the site felt thorough. I appreciated the clear schedule of payments and late fee info. Identity and bank verification were smooth, and funding landed as described. Keep copies of all disclosures, which they email.
Asked about early repayment and impact on interest. Support replied the same afternoon with a concise breakdown and links to policy. My question was fully resolved.