Pounds to Pocket

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Company Information

  • Company Name:
    Pounds to Pocket
  • Website Address:
  • FCA IP:
    603395
  • Business address:
    23 Austin Friars, London, EC2N 2QP
  • Phone number:
    0800 016 3106

Pounds to Pocket offer loan products that borrowers can take advantage of over the short term to cover bills and other types of expenses. The quality of the service and products of this financial services provider has allowed Pounds to Pocket to be designated as a finalist in Credit Today’s listing of Alternative Lender of the Year in both 2012 and 2013. Authorised by the Financial Conduct Authority, Pounds to Pocket provides convenient features to borrowers like Pound Place – which offers budgeting and savings tips – and the Pounds to Pocket LoanBuilder feature.

APPLICATION REQUIREMENTS:

Applicants will not be approved for a personal loan from Pounds to Pocket unless they meet all of the following basic requirements: they have a bank account; they are receiving a regular income either through employment or self-employment; they reside in the UK; they are 18 or older.

LOAN AMOUNT AND CHARGES:

Pounds to Pocket offers short term loans of between £200 and £2,000. These loans have interest charges ranging between 11.7% per month and 17.5% per month. Late payments incur a late fee charge of no more than £15. Other than interest and late payment charges, there are no more fees charged onto loans from Pounds to Pocket.

PROCESS:

At Pounds to Pocket, we do everything we can to make the borrowing process as simple and straightforward as possible. Individuals who are interested in one of our instalment loans can apply online by submitting some basic information regarding their address, employment status, and place of residence. After we receive the application, we will run a credit check on the applicant and determine if they are able to afford one of our loans based on their income level and their previous financial commitments. We then send out a decision. If the applicant is accepted, he or she will receive a loan offer. The applicant can then agree to the loan and submit a loan agreement. Loan funds will then be sent to the borrower’s account, often within only 10 minutes.

PAYMENT:

To pay back a loan from Pounds to Pocket, individuals can use either their debit card or arrange for direct debit authorisation. With our small instalment loans, complete repayment is scheduled to be within a period between six months and 12 months.

108 Reviews of Pounds to Pocket

Like a lot of people in my situation I rely on payday loans quite a bit and when I first started taking out these loans I wasnt sure if they were helping my finances or making them worse.

That was because sometimes I was just borrowing the money and not really putting it to the best use which meant I ended up no better off once the first loan repayment was due.

Now I I have learned from my mistakes and I always plan ahead before taking out my loans and I make sure I am with a loan company that suits my needs.

Pounds to Pocket has been the right choice for my last two loans and that is why I have used them again for my current loan.

Review posted by Marcie Perkins

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My Pounds to Pocket loan has just sorted out my car problems which were unexpected and therefore threw a bit of a spanner in the works regarding my careful budgeting as I still needed to pay the cost of my holiday apartment rental for next months holiday to Tenerife with my wife and some friends.

By the time I get from from Tenerife my loan will be paid off and I can start thinking about how I am going to afford Christmas. But I think I already know how and that is why I like my instalment loans with Pounds to Pocket because it is not a case of if but more a case of when!

Review posted by Ned Rogers

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The next time I need another short term loan I'll be sure to go to Pounds to Pocket again. I had to borrow some money urgently and I didn't have time to search for the best deal and so I asked my neighbour if he could recommend someone as I knew he used payday loan companies occasionally.

He currently had a loan with Pounds to Pocket and said I should try them as he had his loan approved quickly and the money was in bank account in no time.

Well I managed to get the loan and the money within 24 hours and I couldn't thank my neighbour enough for the recommendation and so I suppose its only right that I should thank Pounds to Pocket also for helping me out.

Review posted by Patrick Sullivan

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All my mates were going to Magaluf again this year and as usual I didn't have enough money to with them. Its not that I dont earn good money as I earn a lot more than most of my mates but i just seem to spend it as quickly as i earn it.

My mum and dad siad if i really wanted to go then i should get a short term instalment loan and just make sure that i dont spend my wages each month before the repayment is made. so with their help i got a loan with Pounds to Pocket and i have had my holiday to Magaluf and i am just about to make my last repayment on the loan.

Thanks to Pounds to Pocket and mum and dad for the good advice.

Review posted by Rory T.

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Our daughter got married this summer and we helped her and her partner to pay for the reception. It wasnt a big do but it still cost more than they had been able to save and as she was 4 months pregnant they didn't want to leave it much longer or wait until after the baby is born.

Since then we have struggled a little bit ourselves and it looked as if we might not get our holiday to my sisters apartment in Spain that we go to every September until my husband suggested we try to get a loan. I said to leave it to me and I would sort it as I really wanted my holiday in Spain and so after I applied to Pounds to Pocket for an instalment loan and they approved it I could have jumped for joy. My husband was very happy too when he saw the repayments werent going to be a problem each month.

Review posted by Sharon Williams

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Before we get another winter with heavy snow as in recent years I wanted to get a new driveway done. Our current one is treacherous after even just a few inches of snow as it has quite a steep slope and my wife has slipped on it a few times in the past. When our postman slipped on it last year we were worried he might sue us but fortunately he was very good about it. But it made me realise I needed to get it done before another winter.

After several quotes I knew how much I needed to borrow and chose to go with Pounds to Pocket as I liked their terms and conditions. They approved my loan and transferred the money within a day and I was able to give the go ahead for the new driveway which hopefully wont resemble a ski slope when it snows again.

Review posted by Trevor Addington

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My little terraced house was starting to look a bit tired and was in need of redecorating and as I am not much good with any kind of DIY it meant paying for someone to do it for me. I had the family coming to me this Christmas so I wanted it done well before then so the place didn't smell of new paint rather than roast turkey.

Money was a bit tight but I knew I could afford a loan as I had borrowed money from Pounds to Pocket before for a holiday earlier in the year. Once I had got the loan approved I got straight into picking paint colours etc and my brother in law was doing the work for me so I didn't have to worry about finding a reputable painter and decorator who wasn't going to rip me off. I am so glad my sister married him and not her previous boyfriend who was a bus driver!

Review posted by Lou Bleasdale

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I my friend introduced me to clay pigeon shooting and because I didn't have my own shortgun I had to use one that the shooting club keep specifically for newcomers to the sport like me.

Now that I have become quite good at it and even won my first club trophy for best newcomer I decided it was time to buy my own shotgun. My friend who has been shooting since he was 13 said he would help me choose my new gun but warned me it wouldn't be cheap and that I might want to take out a loan to pay for it. So thats why I applied for a loan with Pounds to Pocket. They approved my loan without any hassle and I was able to buy my new shotgun in time for the next tournament at the shooting club and I am hoping to maybe win another trophy.

Review posted by Matt Oates

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My dentist has just told me how much my new veneers are going to cost and it is a lot more than I had managed to save up so I decided to get a payday short term loan to make up the rest of the money. I did a similar thing last year when I needed more money for a non surgical cosmetic procedure. As I had used Pounds to Pocket the last time it made sense to try them first this time and fortunately they were happy to approve my loan with similar repayments as the last time.

I'm having my veneers fitted next week and I cant wait to go to the dentists which I never thought I would ever say.

Review posted by Sonia Palmer

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I used Pounds to Pocket for the first time with this instalment loan and I have been really impressed with how they have handled my loan. I mistyped some of my personal details without realising and instead of Pounds to Pocket just rejecting my loan application they called my mobile to speak to me and once we had corrected the details they were great and said they would do their best to process my loan as quickly as possible as we had already wasted two days. I was in a bit of a rush to get the loan money so I really appreciated their co-operation especially when it was my fault in the first place with my big fat typing fingers!

Review posted by Melissa Yates, Woodford

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I would like to say a big thank you to Pounds to Pocket for lending me the exact amount of money exactly when I needed it. I was having trouble with my payments and bills and really needed a loan of some sort. So I decided to look into short term loans. Then I found Pounds to Pocket and it seemed like the right option for me. I just filled in the application online with my details, it was very straight forward and simple. Then shortly after I received a reply saying that my application had been approved and that I would receive the the money ASAP. That did actually happen, moments after the money went into my account. Great service, very pleased. Thanks

Review posted by Claudio Santos

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Last month I was really behind with paying my bills because my washing machine broke so I needed to buy a new one. I didn't really have enough money for it but after speaking to a friend I realised that I could apply for a short term loan and pay that back in time to be able to pay for what I need now. So the company I decided to use was Pounds to Pocket and I made the right choice. It was so easy to use and the money was quickly transferred into my bank account. I'm just happy that I've been able to pay my bills and have bought a new washing machine that I really needed. I recommend Pounds to Pocket for short term loans.

Review posted by Amelia Caiafa

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I've never had any trouble paying my bills but my daughter decided to crash my car so daddy had to pay for the repair. It turned out to be quite expensive. So I needed to borrow some money to pay for the car repair. I found Pounds to Pocket and filled out the online application and in no time I got an answer back and the money went into my account. Before the process I called them just to go over the whole process, the person who I spoke to was very polite and explained everything so well. So I was also very happy with the customer service. That's it for my experience with Pounds to Pocket, overall I'm very happy with their service and would happily use them again if I ever need to.

Review posted by Fred O'Connor

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I had tried short term loan services before, but I had never been 100% happy with any of them. But this time I found Pounds to Pocket, and tried them. I must say that after the few that I have tried this is by far the best one. It is exactly what it says it is. The application is easy and the response comes through so quickly. They lent me exactly what I needed and I will pay it back when I can. Which is great. So overall I am very satisfied with Pounds to Pocket and will gladly use their service again.
A big thank you

Review posted by betty

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Hello to you all, I would like to share with you my experience with the loan company Pounds to Pocket. I don't want to get into detail to why I was in debt but the matter here, is that I was in debt.
So I was very low on money and didn't know exactly what to do about it. I've never been one to get into bad credit situations, but hey it can happen to anyone. I spoke to some close friends of mine about the situation and one of them recommended Pounds to Pocket. I was unsure, but as he had already used it I decided I'd have a go. Filled in the inscription form online, that was easy. I received an answer shortly after letting me know that my inscription had been dealt with and that the cash would be transferred into my bank account. The money came through and I was just over the moon. It was so easy and this service did exactly what it said it would do. Anyone having debt problems?! Pounds to Pocket is great!
Thank you!

Review posted by Courtney Marisa

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Thankyou Pounds to Pocket for helping me pay off my bills without being stuck without any money. I got myself in debt this past month so I needed help getting some cash. I'd already used them before so I knew what I was doing and what was going to happen. And yet again I am very happy about the whole process. I don't do computers much, so doing all this online stuff doesn't always work out for me. But once again the application was easy and the money went straight into my account. Very glad to have found you and, hopefully, I won't need you again. But if I ever do, I know that this company will never let me down. Thanks Pounds to Pocket

Review posted by Oscar Eastwood

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I move from Poland few years ago and I look for work in many place. But I found and now I work in beauty salon for two years. Now I have baby too and work. My husband help too but sometime it hard to have money evry month. This month was hard and I was talk to my client about bad money sithuations. And she say that she use this Pounds to pocket, and I think, I try! My husband help me to register, was not hard. And then I wait for reply. When got a reply they say that they help me in my sithuation and then the money go into my bank. So was a good experiense with pounds to pocket. I think that if any body is need lend money, this the place to come. My english not great but I hope everyone understand me. I very happy with this. Thankyou very much!

Review posted by Valeria Zinzan

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My wife and I went to Menorca for a holiday with our grandkids, it was a great holiday and all thanks to Pounds to Pocket. We had some work done on our house which ended up costing more that expected. So the money that we had for our holiday disappeared and we didn't know what to do about the holiday we'd promised our grandkids. So I had already heard of short loan websites and i'd heard of Pounds to Pocket from a friend. So I gave them a ring, and asked all about their service. It seemed to be the best option for us. The customer service was spectacular and they explained everythng to me and made it so easy. The application was easy, just some really straight forward questions and that's it. Then, if approved, the money comes straight away. In my case it did. So my wife and I were buzzing, knowing that the grandchildren would have a great holiday with us. Very satisfied!

Review posted by Jacob Brown

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My instalment loan from Pounds to Pocket made sense to me because the amount I was borrowing plus the interest rate I would be paying on it was still less than the amount I would be paying for a years travel card to London everyday.

We have a very nice family car which my wife uses to take the kids to school and do the usual day to day things but we decided that every time the train fares went up we would have to do something to try and save money. In the end it worked out better for me to buy a cheap little car that would be economical on fuel and easy to park in the area where I worked.

Thats precisely what we have just done with the help of this very convenient instalment loan from Pounds to Pocket. Now they can put the train fares up as much as they like but the only thing I'll be watching now is the price of petrol.

Review posted by Jim, Leatherhead, Surrey

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Well it was clear to me that Pounds to Pocket were more than just a lender because they were also offering very good advice on how to save money and manage your money better. That is the sign of a responsible lender and thats why I chose to take out my very first instalment loan with them.

I wasn't looking for any thing gimmicky just a competitive rate and easy repayments that I could afford and that is exactly what I have got with my Pounds to Pocket loan. If the need for another loan arises I shall certainly give Pounds to Pocket another go and I wouldn't hesitate to recommend them to family or friends.

Review posted by Marion Atkins, Sittingbourne

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A competitive, straightforward instalment loan that is paid back in 6 months is exactly the type of loan I was looking for and that is exactly what I got from Pounds to Pocket. I didn't want the loan over a longer period because I didn't want any debts by the time Christmas came. I wanted to borrow the most I could afford to repay within a 6 month period so that I could book my summer holiday and buy a new cooker for my kitchen. I am able to do that now all thanks to the Pounds to Pocket instalment loan and if only everything in life was so easy to sort out wouldn't it be great!

Review posted by Penny Ashton, Bermondsey

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We don't think its wrong to use an instalment loan every year to pay for our annual summer holiday. we always manage to make the repayments without a struggle and thats why we can afford to keep using them each year. Its not living beyond our means we think its just being clever with our money. We have a few friends who frown upon things like loans but they are the ones who never go anywhere and are happy sitting in the back gardens with the money in the bank which will only go to their children when they die. They should use a bit of it to live life to the full like we do. We 'll continue using Pounds to Pocket for the moment because they have worked out very well for us with the loan last year. And our children needn't worry too much because we will be leaving them the house when we eventually pop our clogs!

Review posted by Kath & Jim, Newport, Gwent

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When I found I needed several hundred pounds in a hurry I looked at taking out a payday loan but was put off by the high interest rate and then the possibility that I might have a problem making the repayment a few weeks later. I went onto the internet and started looking at other loan options and eventually came across Pounds to Pocket on the instalment loan section. The Pounds to Pocket instalment loan had several benefits over a standard payday loan. Firstly, the interest rate was much lower and secondly, I could make the repayments over a period of several months and the repayments would be more than affordable. Simple solution to a small crisis and I don't know why I didn't just think of an instalment loan with Pounds to Pocket in the first place.

Review posted by Jane B., Corringham, Essex

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Pounds to Pocket is by far the most straightforward and best value for money instalment loan company that I have used, having tried several others over the past couple of years and not been entirely happy with any of them.

As someone who earns a good wage but needs to regularly boost my income with loans of one type or another I have become very good at spotting the best deals and Pounds to Pocket is currently my favourite loan company. My current instalment loan with them is nearly paid off and I am 100% certain that I will use Pounds to Pocket again in the near future.

Review posted by Andy Beckman

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After seeing one of their TV adverts I decided to try Pounds to Pocket when I needed a loan recently. The regular short term payday loans were not suitable for me as I needed to pay the loan back over a longer period of time.

Pounds to Pocket have an easy to follow online application but if you have any problems following it their customer services are extremely helpful. I agreed to the terms and conditions of the loan and was absolutely 100% sure of what I was committing myself to. So there were no nasty surprises when the first repayment was due to come out of my bank account.

Review posted by Barry Chatsworth

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I was really excited when Pounds to Pocket approved my instalment loan as I had used payday loan companies before for short term loans and sometimes it was a bit of a struggle to make the repayment and I found it was just a bit of a vicious circle from month to month.

My mum suggested that I borrow money in future by using a instalment loan which would give me a chance to make the smaller repayments each month whilst making sure I didn't create any further debts. As usual mum was right and my instalment loan with Pounds to Pocket is working out really well. It's true mums really do know best!

Review posted by Cindy Dyson

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Pounds to Pocket approved my instalment loan without hesitation as they said my credit history and earnings were more than sufficient to convince them that I was financially stable enough to borrow the amount of money I needed.

I was so relieved as I had never taken out this sort of loan before and didn't quite know what to expect. I desperately wanted the money to buy my daughter a new watch for her 21st birthday and don't know what I would have done if the loan wasn't approved. I can't thank Pounds to Pocket enough for all their help and would definitely use them again and recommend them to my friends.

Review posted by Doreen Eynsworth

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People don't need to know why you have taken out a loan. why would anyone want to divulge that sort of information to strangers? all people need to know is whether or not you consider your particular loan to have been a good or a bad one. even then it is a case of what is good for one person might not be so for another. so the fact is even though I am saying I am very happy with this instalment loan from Pounds to Pocket I am not necessarily recommending them. But if you are looking for a competitive and affordable instalment loan, they are certainly worth checking out, if that helps.

Review posted by Gerry Burke, Kensington

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My Pounds to Pocket instalment has been the easiest method of borrowing money for me. Once the application was approved after the mandatory credit checks etc. the money was in my bank account the next day and I was able to start organising the suprise trip to New York for her 40th Birthday.

I chose to make the repayments by direct debit each month as I didn't want to risk missing a repayment and incurring a late payment charge. It really has been the best loan experience for me and the interest I'm paying is worth every penny for me and my wife to be able to relax and enjoy her surprise trip to the Big Apple.

Review posted by Eddie Faraday

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No more costly payday loans for me. I have taken out my first instalment loan with Pounds to Pocket and I think this is definitely the way to go for me personally. Being able to borrow money and pay it back between 6 and 12 months is the perfect set up for me. I don't want any long term commitments with my own bank and the payday loans were just too risky for me. Pounds to Pocket instalment loans are the answer to my all too frequent cash flow problems which I'm hoping will be a lot less often now. This going to be a more manageable and less stressful way for me to borrow money from now on and Pounds to Pocket are great choice for my first instalment loan.

Review posted by Ryan Newland, Battersea

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Provided I don't get them too often I can usually deal with an unexpected large bill by taking out a convenient and quick instalment loan with Pounds to Pocket. I used them the first time I got a massive bill for roof repairs that my household insurance wouldn't pay out for and ever since then I have been relying on them to get me out of a sticky situation when extra money is required. I'd say more people would use a loan like these Pounds to Pocket instalment loans if they knew just how easy they were to get and it's got to be better than burying your head in the sand and avoiding the bills when they land on your doormat. I'd much rather take out an instalment loan than have a leaky roof and we've just got the wife's car fixed and back on the road thanks to this current Pounds to Pocket loan. I would definitely give them my seal of approval.

Review posted by Matt Drake, Folkstone

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Pounds to Pocket immediately sprang to mind when I needed a loan, because that is precisely what I needed to get me through a bit of a tricky period with my finances. I didn't bother trying other loan companies first, I just went to Pounds to Pocket.

Their instalment loan is uncomplicated and so long as you pass the credit check and you are in regular employment you are pretty much guaranteed to get the loan approved. With the choice of paying by direct debit or with your debit card each month it really couldn't be more straightforward. I will definitely recommend Pounds to Pocket to my friends if they ask for loan advice.

Review posted by Frank Gosling

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My reasons for taking out this instalment loan with Pounds to Pocket aren't worth mentioning but what is worth mentioning is how quick and easy it was to get this loan. What's also worth mentioning is that Pounds to Pocket vary their interest rates and base them on the individual so because I have got a very good credit score and very little debt I managed to get the lowest rate they are advertising at the moment which was great for me and it definitely makes me think I will use Pounds to Pocket again if I should ever need a small loan again in a hurry.

Review posted by D. Woodward, Slough

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I don't mind admitting that I am a regular user of payday loans and have tried several different loan companies over the years. Most of them have been alright and a couple were not so good and I would never use them again.

This is my second loan with Pounds to Pocket and I opted for their instalment loan this time as I wanted to borrow a bit more money and pay it back easily over a longer period of time.

As with my first Pounds to Pocket loan everything went through smoothly and I am very pleased that they have continued to give me an excellent service.

Review posted by George Hatton

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I couldn't find a better and more convenient short term loan than this one from Pounds to Pocket. I like this instalment type of loan rather using a regular bank loan that is not always as competitive with their rates. My current loan is for a 6 month period but I would definitely consider using their 12 month loan period next year for the loan I'll be needing to help pay for the cruise I am planning to surprise the wife with for our 40th wedding anniversary. Some times it's best not to involve your own bank when you want to borrow smaller sums of money and I think these Pounds to Pocket loans are a great alternative.

Review posted by Kenneth P., Warminster

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I am most happy with the Pounds to Pocket loan arrangement I have just agreed to as it has allowed me to borrow a sum of money to help with some home improvements and also give my son some money before he goes off to university.

I will not have a problem with the repayments as Pounds to Pocket were happy that my salary was sufficient to be able to make the repayments on the amount borrowed. I will be very careful not to miss a repayment and incur any late payment charges. will use Pounds to Pocket again if I need some financial help again.

Review posted by Hari Ibrahim

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My girlfriends were planning a trip to Miami and asked me to join them. We didn't really have the money to afford it and so someone suggested getting short term payday loans.

I was really upset when I couldn't get the loan with one particular company but my dad suggested I try another company but go for an instalment loan this time. Pounds to Pocket were my first choice and they were so helpful with the application. I got the money I needed with an instalment loan and will be making the repayments over a longer period which is much better for me.

Review posted by Izzy Johansson

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My wife and I discussed getting a loan to help with the cost of a new kitchen. We had been living in our house for over twenty years with the same tired looking kitchen which my wife hated. She always blamed her cooking disasters on the cooker!

Pounds to Pocket happened to be advertising on the telly one evening and that is how we chose them. I have to say they lived up to their advert and gave us a very good loan that allows us to make monthly repayments over a longer period and we are confident it won't affect our week to week living standards, after all there's no point having a nice new kitchen if there is no food in the fridge!

Review posted by Jack Kibble

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Pounds to Pocket are a very good loan company. I have used them several times for short term and instalment loans and they have worked very well for me on each occasion and I think that is very much down to their responsible attitude when lending money.

Pounds to Pocket make sure you are not borrowing more than your earnings will allow you to repay comfortably as they are not in the business of increasing peoples financial worries but to try and alleviate them instead. I would have no hesitation is recommending them and indeed I have done so on several occasions.

Review posted by Kenneth Lomax

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My friend at my local bowls club recommended Pounds to Pocket when I said I needed to borrow some money to take the wife on a once in a lifetime cruise before I retire next year.

All the time I am in regular employment I don't feel worried about taking out loans provided the repayments are within my earnings capability. When I'm retired the option of this sort of loan won't be available to me so I was determined to make the most of my loan choices.

Pounds to Pocket gave me a great instalment loan and I was able to go ahead and book the once in a lifetime cruise for me and the wife straightaway. So I would just like to say thank you to them.

Review posted by Len Merryweather

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Ok, I sure hope I learned my lesson.
I went to the casino as I had a dream that I had won a lot of money, so I thought it was an omen.
Quite the contrary...I lost £600 that I really could not afford.
So, stuck as I was I had no option but to borrow the money.
Pounds to Pocket was the loan company I chose as they are authorized by the Financial Conduct authority and that is reassuring.
I had a quick response from them, the loan was approved after some background checks, and the money quickly arrived in my account.
Sure paying this debt over 6 months will not be fun...but I've learned my lesson...not to trust dreams!
Simple sailing and no complications. I can recommend them.

Review posted by Graham Burke

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  • Ease Of Use
  • Value For Money

My friend wanted me to accompany her on a trip to New Zealand to see her brother for the first time in many years. She isn't the most confident of people and was scared of doing such a long journey on her own. I hadn't had a holiday this year and so I thought it would be nice for me too even though I didn't have family waiting for me in NZ.

I had some spare money but really wanted a bit more to make sure I could contribute my share when dining out etc. and I also had to pay for a hotel as I didn't want to impose on my friends family. The truth is I really quite fancied the idea of staying in a nice hotel rather than sharing someones guest room!

Pounds to Pocket were able to loan me the money I needed on an instalment loan basis which suited me very well so once all the application was approved I told my friend the good news and we are now busy planning our itinerary for our trip to New Zealand.

Review posted by Margaret Nesbitt

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I like an institution that is clear and precise and this is what I noticed when I read the information on Pounds to Pocket.
Also they looked kind of VIP to me having being finalists in Credit Listings back in 2012 and 2013, so I felt comfortable and safe with them.
They were less likely to hit me with hidden fees...
I took them on face value and applied for a £300 loan.
As I was not keen that my husband found out, I took it over 12 months and that way I myself don't feel it and doesn't affect our budget, neither does he realize it.
The process was simple, access to the money was almost instant so I really have no complaints whatsoever,
Nice company to deal with.

Review posted by Alison Ann Smith

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  • Ease Of Use
  • Value For Money

I am posting this review to say a big thank you to Pounds to Pocket for giving me the loan. I had never taken out one of the sorts of loans before but had thought about it lots of times.

My wife was recovering from an operation and I wanted to buy her something special to show how much I loved her and that's what prompted me to get the loan.

I took an instalment loan on the advice of Pounds to Pocket as they felt it would be the best option for me and the repayments over a longer period would not be a problem for me. I very pleased that I used them for the loan and I am not worried about paying the money back in the specified time.

Review posted by Norman Ogden

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  • Value For Money

I applied for an instalment loan with Pounds to Pocket to borrow some money to help pay for my sons wedding. I know the tradition is for the bride's parents to cough up as they say. But the modern day way seems to be for the couple to pay for the wedding themselves, albeit with a bit of help from both sets of parents. I was happy for my wife and I to make our contribution but I did need a loan to give me a bit of help.

Pounds to Pocket were a good choice and they approved my instalment loan in no time and before I knew it I was handing over a nice little contribution to the happy couple and I'm very happy that I was able to help them out.

Review posted by Oscar Prenderville

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  • Ease Of Use
  • Value For Money

Pounds to Pocket were an easy choice for me when looking for an instalment loan recently as i had heard several people in my local pub talking about them and saying how good they were.

I needed an instalment loan as I didn't want the pressure of a regular payday short term loan. I did the online application and then spoke to their customer services to make sure I had filled everything in correctly. They were very helpful and by the time I had put the phone down they had confirmed the loan was approved and how much my repayments would be. I was very happy with sum I would be paying back each month as I knew that would be well within what I could afford to repay without causing me any problems.

Review posted by Peter Richmond

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  • Ease Of Use
  • Value For Money

Thank you very much Pounds to Pocket for the great service you gave me when I applied for a loan with your company. I wasn't sure which loan option to would be best for me but your customer services advisor recommended your instalment loan for my particular needs.

I have to agree with them that after they did my credit history check and verified my earnings any other type of loan would not have been right for me. I am able to make the required repayments easily because of having them spread out over a longer period which makes a lot more sense for my particular situation. It is very good advice and I would recommend that any one who is not sure about their loan options to speak to Pounds to Pocket first and get their sound advice first.

Review posted by Rosemary Skeltern

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  • Ease Of Use
  • Value For Money

Pounds to Pocket provide a valuable service to people like myself who are very responsible when it comes to money but because they don't earn a huge salary they are sometimes limited in their spending through no fault of their own.

Just because I don't earn a lot that doesn't mean I can't take advantage of a loan facility provided I can make the repayments without compromising myself financially. That is why I always go for the instalment loan option as it allows me to borrow a decent amount but pay it back in smaller repayments over a longer period of time. It's commonsense when you just think about it and Pounds to Pocket seem to think they same way.

Review posted by Stanley Travers

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  • Ease Of Use
  • Value For Money

I took out a Pounds to Pocket instalment loan to pay for a golfing trip to Portugal with some friends of mine. It was a last minute thing so I hadn't budgeted for it, which is how I normally pay for these sorts of things.

I opted for the instalment loan as opposed to their short term loan as I didn't want to put pressure on myself when the repayment was due with my next months salary. This way I am able to make the affordable repayments each month and my bank balance is still healthy and firmly in the black.

Review posted by Trevor Winstanley

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  • Ease Of Use
  • Value For Money

My car had just failed it's MOT and I needed to buy 4 new tyres. I hadn't budgeted for such a big outlay and didn't have the spare cash to purchase them but had to get my car back on the road as soon as possible because I needed it for work.

Pounds to Pocket were able to offer me an instalment loan almost immediately after doing the relevant credit history checks and guaranteed the money would be available to me the next day.

So I got straight on to the MOT centre and told them to fit the new tyres as soon as they could so that I could get the car back on the road ready for work the next day.

Thanks to Pounds to Pocket I wasn't inconvenienced with regards to getting to work as the journey by public transport would have been a bit of a nightmare. So I am very grateful to them.

Review posted by William Bickerstaff

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Im a self employed electrician and earn good money but it varys from month to month but i still manage to have a good standard of living. my wife works to so we manage to pay the morgage and stuff no problem. I use my Pounds to Pocket short term loans for things like helping with holidays and presents for the wifes birthday and christmas when i need a bit more cash. Pounds to Pocket loans are a great help for people like me and thats why i use them a lot. if i had problems making the repayments i wouldnt use them again but that hasnt happend so far.

Review posted by Andy Scott

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  • Ease Of Use
  • Value For Money

I took out a short term instalment loan with Pounds to Pocket and i am repaying over a 6 month period which means it will be paid off next month. I didn't want to be making repayments over the xmas period and i only got the loan to help pay for my summer holiday as i can manage to afford most other expenses on just my wages. i think its a good thing to be able to use this sort of loan for stuff like holidays but i wouldnt want to be constantly repaying loans all year round so i make sure it is just a yearly one off for me.

Review posted by Ben H.

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My son had been hassling me for a new laptop for ages and I've been putting it off and putting it off some more. When he did well in his exams and got accepted to the first university of his choice, I didn't really have any excuses anymore, and it didn't feel right to tell him I couldn't buy him one until I had the money, as he had been working so hard to achieve the results he got. Then I came across Pounds to Pocket, and it was literally a case of problem solved. I applied for an instalment loan, received an approval the same day, and then took my son shopping for the laptop he wanted the very same afternoon! It was great to be able to do that, and I only have to pay the amount off bit by bit, in manageable repayments.

Review posted by Christina Banks

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Pounds to Pocket loans are really handy for me when I need to find extra cash in a hurry. I have only used them a couple of times but they have worked out really well for me each time and helped to sort out problems that would have just got worse if I hadnt been able to deal with them right away. I have just been approved my third loan with Pounds to Pocket for a much larger amount than before but the repayments are still affordable for me and because I needed the larger amount for a bargain little secondhand car it was worth it.

Review posted by Charlie C.

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I used the loan with Pounds to Pocket to help pay for my first holiday abroad for years. I work really hard and manage to pay all my bills each month with a bit left over to spend on things like eating out and going to the cinema but i felt that i really needed a holiday in the sun so thats why i got the loan. It means not eating out or going to the cinema as much for the next 6 months but at last i got my week in Spain and now that im back in dreary old UK I think it was worth it.

Review posted by Denise Bell

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When my friend invited me to go on holiday with her and her family to Orlando I said yes right away without even thinking about how I was going to afford it but that is me all over, act first and think later.

When I told my mum about it she said it was a great opportunity for me as she knows I've always wanted to go there but told me to be sensible and get an affordable loan from a reputable loan company to pay for the trip. With her help I chose Pounds to Pocket and the loan they gave me was just right for me. I got the loan over a 6 month period and I am not having any problems making the repayments. If I get another holiday invite like the last one next year I will definitely get a loan with Pounds to Pocket again.

Review posted by Ellie McK

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I took out a loan with Pounds to Pocket to pay for a holiday to Portugal for me and my daughter. She had just split up from her boyfriend and was very unhappy and I was worried that she would get depression if I didnt get her to start smiling and be happy again. Without the loan I wouldn't have been able to afford it but because I can easily afford the repayments each month it just made sense to me to borrow the money and get her away from everything for a couple of weeks and now that we are back and she is starting to move on with her life I know I did the right thing. So I just wanted to say thanks to Pounds to Pocket.

Review posted by Fran Seymour

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My son has just been made redundant from his job as a car mechanic and because he hadnt been with them very long he wasnt entitled to much by way of redundancy pay. He had been planning to got to Tenerife with his mates and was gutted when he thought he wouldnt be able to go. As I knew he wouldnt be eligible for a loan I decided to get one myself so that I could lend him the money to go. I got a good loan agreement with Pounds to Pocket and dont mind paying the repayments each month. I know my son will pay me back one day but Im just glad I was able to do this for him as he is a good lad and deserves a break now and then.

Review posted by Graham D'Souza

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Getting this loan from Pounds to Pocket is by far the easiest way I have ever borrowed money before. It could't have been more straight forward and now that I have experienced such a positive response to my loan with them I think I will use Pounds to Pocket again without a doubt. I've never had to borrow money in the past but my circumstances have changed a bit since I had to give up my job as a scaffolder after an accident and my current job is less hazardous but unfortunately it comes with a lot less in my pay packet at the end of the month. Being able to borrow some extra cash and pay it back in easy affordable instalments is the perfect solution for me and the wife chose Pounds to Pocket because she had a good recommendation from a friend. I think we will be using them again because we've been very happy with this loan.

Review posted by Gary, Hemel Hempstead

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I don't often find the need to take out a loan but this occasion was unavoidable because I had to find the money quickly to get my car back on the road after it failed its MOT and I had to purchase 4 new tyres.

I never realised how expensive tyres were but if it meant getting the car through the MOT I had to find the money from somewhere. So after a search of the loan comparison website I decided an instalment loan from Pounds to Pocket was my best option.

The whole process was quick and easy and once the credit check was done and I got the approval I had the money within 24 hours. I got my car back on the road almost immediately without having to resort to public transport to get me to work.

Review posted by Sandy Trent, Knowles

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Just when I thought I couldnt have any more bad luck my old rust bucket of a car finally packed up for good and I had to sell it for scrap. I had already used the last bit of spare cash I had to pay for a new boiler but I cant get by without a car and so I had to get the money from somewhere sooner rather than later.

My friend suggested taking out a payday loan and I wasnt too keen on the idea until she explained about the short term instalment loan options that are available. With her help I went online and ended up with a loan from Pounds to Pocket and before I knew it I had the money to buy a decent second hand car with the repayments spread out over a 6 month period to suit my affordability. I am not one for borrowing money as a rule but I think this is a good example of how it can be right for you.

Review posted by Helen Rogers

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My daughter was moving in with her partner to their new flat and I wanted to give her some financial help. She has been a brilliant daughter since me and her mum divorced and she never took sides but just tried to be the best daughter she can to the both of us.

I dont have much in the way of savings but I earn a good wage and knew I could get a loan for the amount I wanted to give my daughter without compromising myself financially.

I went with Pounds to Pocket because I had used them before and I was able to get the loan and give my daughter the money. I will have paid the loan off by the end of the year and so I wont be starting 2016 in debt.

Review posted by John P.

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When my friend recommended Pounds to Pocket to me when I said I was looking for a reliable loan company I didnt think the name sounded very professional but on her insistence I applied for a loan with them and I soon realised they were worthy of her recommendation.

Pounds to Pocket have approved a short term loan for the amount I needed to borrow with repayments spread over a period to suit me and as far as I am concerned that is all you want from a good loan company. I might not need to use them again but I would certainly recommend them to my other friends.

Review posted by Kathy Morgan

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  • Value For Money

Not all installment loan companies or similar institutions are the same, as I learned recently. To compare them in a fair way you need to place all figures in a table. That's a lot of work but it's worth.

So when my TV set finally gave up I didn't need to think things all over or to what company I needed to go. For my situation PtoP fitted the job very well as I use the Golden Rule to pay back the entire loan within one year. With just giving them my credentials they confirmed 'it was me', resulting in a loan of £2000.

What fancies me every time is the simple, straightforward process, resulting in exactly the type of loan/conditions I was thinking of myself. The savings tips and great service PtoP offers are welcome to me as well as it saves me time and energy.

Review posted by Big Mike

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When I took out my first short term loan with Pounds to Pocket I needed to borrow money in a real hurry and didnt have time to search around for the best possible deal. I just picked Pounds to Pocket at random and when they approved the loan for the amount I needed and at a repayment rate I could afford that was all that mattered.

Now this is my second loan with Pounds to Pocket and I wasnt in so much of a hurry so had time to look at other loan companies before making a decision but I went with Pounds to Pocket because the difference in interest rates compared to some others was minimal but I just preferred the Pounds to Pocket set up and I was happy with their direct debit method of making repayments. I knew I could just borrow the money and once the direct debit was set up with my bank I could relax and forget about the rest.

Review posted by Lance P.

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When I found out that three of my friends all had loans with Pounds to Pocket to help pay for the holiday we were planning I decided to give Pounds to Pocket a go instead of hitting my bank account too hard by trying to pay for the holiday in one hit.

Thankfully Pounds to Pocket approved a loan for me also and I was able to pay my share of the holiday apartment and book my flights which left my bank balance looking rather healthier than it would have been without the loan and made sure I had enough spending money to make the most of eating out and going to a few nightclubs.

Review posted by Melissa Wright

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Im going skiing at the end of the year and its all booked and paid for. However when I saw that one of the big department stores was having a clearance sale of all their ski wear I just had to take advantage of it but having just paid all that money for my ski trip I didnt have much ready cash. Thats when I decided to get a short term loan. I borrowed enough to bag myself a few bargains including some apres ski designer sunglasses and the best thing is I will have paid off the loan before I've even hit the slopes.

Review posted by Nathan J.

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Since I've been working and earning good money every year I pay for my mum and dad to visit the place where they first met and fell in love which is Majorca. They were both in their early twenties and neither of them had ever been abroad before. I think theirs is such a romantic story and I love being able to do this for them each year.

Unfortunately this year I had a few money problems which left me a little bit short of the cash I needed but rather than not be able to do it this year I took out a short term loan with Pounds to Pocket. Its not something I would normally do when Im a bit short of money as I would just rather go without something until I had the money but this was different. And so even though I may never use Pounds to Pocket again I have to say thanks to them for helping me keep up what is becoming a bit of a tradition in the family now.

Review posted by Polly Merrick

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All my spare cash goes on my kids and my grand kids and I wouldnt have it any other way. I get more pleasure out of giving them things than I would spending it on myself. Im divorced from my kids mum and her and her new husband have a lot more disposable cash to be able to spoil the kids but I wont let that deter me. When I need a bit of extra cash now I just get a short term loan with Pounds to Pocket after a mate recommended them and now I never have to worry about not having enough to keep up with the ex wife.

Review posted by Ray Davies

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I dont earn bad money and so I can normally get by to pay day each month unless something crops up that needs settling in a hurry. My parents who live abroad were coming to the UK to visit me and my sister and I had to get my flat sorted pretty quickly. I had been a bit of a naughty boy and not used the money they gave me to help furnish the flat with essentials like a bed for the spare room and a decent cooker and fridge. None of which I had bought but I did have an amazing flat screen plasma TV and a sofa that doubled up as a bed when my mates stayed over.

My sister who hadnt been to my flat before was horrified and said my parents would hit the roof when they saw it. With her advice and help I got a loan from Pounds to Pocket and managed to get some really decent second hand items for the kitchen but it had to be a new bed for the spare room as my mum would never have slept on it otherwise!

Review posted by Sean T.

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When both my parents were still working full time I always went to them when I was a bit short of cash and being the great parents that they are they always managed to find the money to help me out. But dad has just retired and mum only works part time now so I dont feel I can ask them for any more loans.

My cash flow flow problems are still a regular occurence but now I use payday instalment loans to help me out and at the moment my loan is with Pounds to Pocket. Using payday loans has helped me to become more responsible with my spending and I always make sure the direct debits go through each month before I start spending on anything other than regular bills.

Review posted by Tom Walsham

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I come from quite a large family but we all live in different parts of the country and dont get to see each other as often as we would like. But in recent years we have been arranging to meet up in a central place usually a nice central London hotel so that we can have a meal and stay the night before heading off in different directions the next day.

This year I was struggling to find the money for my hotel room and I didnt want to be the first one to break the chain that we had established over the years. So I decided to get a loan to cover the cost of everything and went to Pounds to Pocket for a short term instalment loan. They were really helpful as I was having problems with the online application but once that was sorted and they approved my loan I was really glad I decided to get a loan with them.

Review posted by Val Parsons

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After being divorced for several years I never thought I would meet someone but when I did I just wanted to be the perfect gentleman and wine and dine her as often as I could but with my wages it wasnt that easy. When I discovered it was her birthday soon and it was going to be a milestone one at that I knew I had to do something special.

Thats why I got a loan with Pounds to Pocket. With the money I borrowed I was able to whisk her away to a lovely country hotel for the weekend and she was so overwhelmed by the gesture that she burst into tears when I told her what I had planned. The weekend wasnt cheap but at least I've got another ten years to save up for the next big birthday thats if we are still together!

Review posted by Wayne G.

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When it comes to birthdays and christmas my husband always makes a real effort to spoil me with lovely presents and romantic weekend breaks.

As it was going to be his 50th birthday I wanted to be able to do something special for him and because I didn't want to use our joint bank account I decided to get a loan and pay for everything from my personal account. I work part time and so I knew I wouldn't have a problem with making the repayments.

My friend helped me with the online application process after we chose Pounds to Pocket and when they approved the loan I was really excited and couldn't wait to start planning my husband's special 50th birthday surprise.

Review posted by Yvonne Taylor

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I had never used a short term loan company like this before. So I was very wary about it all. But I needed a loan ASAP because I was very short on money and there were things that I just needed to pay for.
When I found Pounds to Pocket and read through all their website, I decided that I would go for it.
It was all new to me and felt strange. I filled in the online form, and that waited. And to my surprise in no time the money was transferred and I was just so happy that it was all ok and it was just so easy. Almost too good to be true. I will be recommending them and if I ever need a loan like this again I know who to turn to. Thanks Pounds to Pocket! Great service

Review posted by Stephen Jones

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  • Value For Money

At first I was just going to take out a payday loan and hope that I wouldn't have a problem repaying it at the end of the month but I knew it would be a bit risky and in all likelihood I would have been refused the loan for that amount anyway based on my earnings and the other outgoings I have each month. My mum suggested the instalment loan option which I hadn't heard of before but mum said she had used an instalment loan once and it worked out really well for her. I got straight on to the loan website and started looking for a suitable instalment loan and finally ended up with this loan from Pounds to Pocket. There were quite a few lenders to choose from but I picked Pounds to Pocket because that's the one my mum used and I just thought it would be best to use them as it was my first ever instalment loan and my mum could help me with it. I have just had the money paid into my bank in less than 24 hours of me applying for the loan and I am so pleased because this loans means I could afford to borrow the money I needed but pay it back in 6 monthly instalments which are going to be very affordable for me. The payday loan was a bad idea but now that I know about instalment loans I won't ever have to take that risk. I think I'll use Pounds to Pocket again if I need another instalment loan because they were a really easy lender to deal with and once the loan was approved my money was in my bank within an hour of me submitting my loan agreement.

Review posted by Becky Tyler, Hornchurch

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With this great instalment loan from Pounds to Pocket I have just bought my son his first car after he passed his driving test this week. He passed on Monday and I applied for the loan from Pounds to Pocket the same day. I opted for a 12 month loan period so that I could borrow the maximum amount to ensure that I could buy my son a decent little car to get him started. I think this is a great way of affording these sort of expenses as it means you don't put a big whole in your monthly budget and leave yourself short for other things. Instead you can just make affordable monthly repayments that don't mess you up for the rest of the month. I would definitely recommend instalment loans for those unexpected things that crop up and I'd recommend Pounds to Pocket based on my personal experience with them.

Review posted by Mark Rawlins, Haywards Heath

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I had been asking my husband to get a loan sorted for weeks now, and our money matters were becoming more urgent by the day. I knew I shouldn't have relied on him to sort out such an important matter, and should have just taken things in to my own hands from the beginning, but the truth is, he's better on the PC than I am, so I just thought he'd be able to find a better deal. Last night he still hadn't done anything about it, so I started looking myself and found Pounds to Pocket. They weren't the first provider I came across, but they were the first that offered a rate which I considered to be reasonable. Their customer service was really great, and it actually turned out to be so easy that I wish I had just done it myself from the beginning and saved myself a lot of nagging and worrying.

Review posted by Chrissy Marksman

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  • Value For Money

Pounds to Pocket instalment loans have been a really good find for me and this is my third loan from them since discovering them 2 years ago. I didn't actually discover them they were recommended to me by a work colleague and since that first ever small instalment loan from them that I repaid over 3 months I have never had any problems getting the extra money that I sometimes need for things that I haven't been able to budget for in advance. This current loan is the biggest one so far and I'll be repaying it over 12 months which means the monthly repayments are very affordable. Pounds to Pocket still offer really good interest rates so unless that changes in the future I will probably continue to use them.

Review posted by D. Newton, Folkestone

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  • Ease Of Use
  • Value For Money

Sometimes I feel like I'm not in control of my money. I have so many direct debits that go out of my account every month, that before I know it, all my wages are gone and I don't have any money left to spend on the things I want. Last month I decided it was time to take more control of it all, so I quit my gym membership (I never go anyway), and changed to a cheaper phone contact. Although this had a positive effect, I'm still not going to be able to save enough money before summer for a holiday, so I took out an installment loan with Pounds to Pocket. I only got a loan for the amount I need, and although this is going to mean another direct debit going out of my account again, I got such a repayment plan that's spread over quite a while, so I will still be able to make small savings.

Review posted by Dolly Heaton

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I have been trying to save up to redecorate the spare room for absolutely ages now, and just when I think I'm on my way to getting the money together, something more urgent comes along, and my saving efforts go out the window. I didn't need a huge amount of money, but really wanted to get it done before my sister was coming to stay. Pounds to Pocket offered me the perfect solution to my problem by giving me an installment loan. It has meant that I can get the redecorating done without having to save the money in advance, and actually the rate at which I will make the repayments is more than manageable for me with my salary.

Review posted by Nikki Brash

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Last month I was approached by an electricity company, who offered me a much better deal than my current electricity provider. I wanted to switch right away, but was tied into a contract with my current provider, and would need to pay a hefty price if I wanted to exit the contract early. Because I knew I would be saving myself a considerable amount of money by switching, I decided to take out a small loan to cover the cost of the switch, and with an instalment loan from Pounds to Pocket, I would be able to make the repayments easily because of the savings I would be making. Pounds to Pocket were really flexible too and set the instalments at a level that I could afford.

Review posted by Alison Sailsley

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  • Value For Money

I first saw an advert for Pounds to Pocket on the television, and annoyingly, their slogan had stuck in my mind the whole day. For this reason, they were the first company that came to my mind when I was looking for a loan. Their website was very professional and it was nice to be able to read some positive customer testimonials too. In fact their whole service was very professional, and what amazed me the most was the speed of the transfer. After my application received approval, the money was transferred from their account to mine in just a few minutes.

Review posted by Bess Pointer

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All my friends wanted to go to a concert up in London, so they were booking the tickets last week. They have all got better paying jobs than me, but I didn't want to miss out, so was in a really awkward situation as I knew I couldn't really afford the price of the ticket plus the cost of getting up to London and back, and probably dinner and drinks too. One of my friends offered to lend me the money, but I don't like mixing finances and friendship, so turned to Pounds to Pocket instead. Their service was so quick that I had the money the same day, which meant the girls and I could book our tickets the same evening.

Review posted by Sabrina Patel

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To be honest I've never been good with money, and covering the monthly bills has always been a bit of a struggle. Since having a child and leaving work, it's only gone down hill, but I felt so trapped as I can't improve my finances without going back to work, but I can't go back to work without childcare – which costs money! Then I heard about Pounds to Pocket, and finally there was light at the end of the tunnel, and a way out of my financial mess. After a few questions, they accepted my application, and now I can get back on the career ladder, and afford the best care for my child.

Review posted by Anne Marie

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Since my brother emmigrated to Australia, I've had to accept the fact that I can hardly ever see him. I've been going through a tough time recently, and just feel in need of a break, and some proper family time. I couldn't afford flights to Australia on my salary, and I haven't had the job long enough to have been able to save a sufficient amount either. Then my brother suggested Pounds to Pocket, and after filling out their online application, they agreed to lend me just the amount I needed! It's so good to know that I can get away now, and I will only need to start repaying the loan when I'm back, in small instalments.

Review posted by Krissy Boot

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With every loan I take out I only ever focus on how much interest I will be paying. I don't really mind how easy or difficult the loan application process is if it results in me getting an affordable and competitive loan. I think I have got that and more with this loan from Pounds to Pocket. The interest rate is one of the lowest I could find for an instalment loan for the amount I needed to borrow and that in turn made the repayments very affordable. I only had to wait just over 24 hours to get the loan approved which was great because sometimes the credit checks can take longer. I will probably use Pounds to Pocket again based on this current experience.

Review posted by Gillian Ashwell, Horton Kirby

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I have used Pounds to Pocket before but it was a while ago and to be honest I can't really remember if I was happy with the experience or not. I have taken out so many payday loans in between that I have lost track of which ones were good and which were not so good. I tend to use instalment loans when I need to borrow a bit more than a I could easily afford with a payday loan and I chose Pounds to Pocket again because they were still offering the best interest rates. That being the case, I can't see me having any problems with this current loan as it has all gone smoothly so far and I am happy with the repayment schedule. So maybe I was very happy with the last Pounds to Pocket loan but just took it for granted at the time.

Review posted by Mike Sommerby, Finchley

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Quick and easy short term loans is what I Googled and what came up was several loan comparison websites so I just worked my way through them just to get a general idea of what sort of rates were the norm for this type of loan.

Up to now I had only ever used one payday lender as a one off in an emergency so I was hoping the rates for a short term instalment loan would be a bit more favourable. Fortunately that seems to be the case and I think the loan I have opted for with Pounds to Pocket is one of the best that I could see.

Using the loan comparison websites was really helpful and cut down the research time immensely and I will definitely use them again in the future. Once I got all the required information submitted to Pounds to Pocket the rest of the loan process was pretty fast and I got my loan approved and the money in my account by the next day.

I would consider using Pounds to Pocket again if I need another short term instalment loan but will certainly be avoiding the one payment payday loans because they really aren't very good value for money in my opinion.

Review posted by A Beechamp, Hackney

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  • Value For Money

Pounds to Pocket are the first lender I have used other than my bank and I was much more relaxed about applying for this loan with them than I would have been if I had gone to my bank. I think I probably would have got the loan from my bank but I doubt it would have been so easy and straightforward.

Of the several lenders I looked at online Pounds to Pocket came across as being one of the most uncomplicated ones in terms of making your repayments and any late payment fees you might incur. So when I agreed to the terms and conditions of the loan I knew exactly what I was taking on.

I would use Pounds to Pocket again and would recommend them to friends and family, which I wouldn't do if I wasn't at least 90% happy with them myself.

Review posted by Cherry Mackintosh, Barnet

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  • Ease Of Use
  • Value For Money

This is the first time I have taken out an instalment loan so I am not basing my review on a comparison with any other lender. I am just going to say how I found my first experience of borrowing money this way.

Pounds to Pocket really were a very easy company to deal with and I found their online loan application very straightforward. Once they had all my details they processed the credit check within 24 hours and sent me the loan agreement the same day. I accepted the loan agreement immediately because it was a very good deal for the amount of money I was borrowing. The rate was a bit higher than a regular personal loan but as I will be paying it back over a 6 month period that was only to be expected. True to their word, I got the money transferred within minutes after submitting the loan agreement. As the loan is only for a 6 month period I have chosen to make the repayments by debit card so I don't have the hassle of setting up a direct debit authorisation.

That's my experience of using Pounds to Pocket for this instalment loan and I hope it is of use to anyone else that is looking for a convenient and affordable instalment loan.

Review posted by Laurenne Harvey, Woodford

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  • Ease Of Use
  • Value For Money

Because I am really pleased with how easy and straightforward it was for me to get this instalment loan from Pounds to Pocket I figured the least I can do is write a nice review for them.

I have used instalment loans a few times now but this is the first time I have used Pounds to Pocket and I am sure I will use them again because they have been by far the best lender I have dealt with. Their rates are one of the most competitive and their loan application process was the most uncomplicated.

I will probably never post another review for Pounds to Pocket but that won't mean I am not happy with their service.

Review posted by Steven Bucks, Harrow

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  • Ease Of Use
  • Value For Money

I just find Pounds to Pocket loans a really convenient way of borrowing money. I like the fact that I can pay the loan back over a 6 month period as I never really like the idea of having any sort of loan hanging over my head for too long. If I took out a loan for a longer period I would worry that something else might crop up that have an effect on my ability to repay a loan over a longer period. This current loan was to get the money to pay for some private dental treatment but it will be paid back before Christmas which always puts an extra strain on my finances. There may be similar loans available but at the moment Pounds to Pocket loans work really well for me so I will continue to use them. This will be the third loan I've had from them and I have no problems whatsoever so as far as I am concerned thats a good enough reason to stick with them.

Review posted by Stewart Brent, Watford

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My dad always advised me to work for the things I desired to buy. True thing. But times are changing. Maybe in his early days life was like that, when interesting opportunities passed by simply by not knowing of them.

Now we live in the age of the Internet things are different indeed. My interest in things goes very deep, together with digging the Internet. Every time I see something that attracts me, such as this antique typewriter I came across with lately I know that when I don't make a decision now, it will be gone forever.

Pounds to Pocket helps me making the right purchase at the right moment, giving me the backup I need for buying those things which in early days surely would have passed my dad's eyes. So I pluck the day as it comes, finding Pounds to Pocket to be my best pal making my life worth living.

Review posted by Arnald Wood

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  • Ease Of Use
  • Value For Money

This is my second instalment loan with Pounds to Pocket and I wouldn't have gone back to them if I hadn't been completely satisfied with the first loan I took out with them. There are far too many options for people and so you can pick and choose your lender each time to make sure you are getting a better deal than the first one. I really didn't have any problems at all with my first Pounds to Pocket loan because the rate was competitive enough for me and the loan process was very simple and the money reached me within minutes of me submitting my loan agreement and that's why it was a very easy choice to go back to Pounds to Pocket for this loan.

Review posted by Charlie Beresford, West Kingsdown

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  • Value For Money

I thought pounds to pocket were just a payday lender but they also let you borrow much larger sums of money and repay it over a longer period so that is why i have been using them for the past year or so. the usual payday loans dont suit me very well and they have caused me a few problems when i first started using them. now i have learnt my lesson and dont use them anymore. pounds to pocket instalment loans have been working for me so far and i havent had to pay out for any late repayment fees which is a good sign because it means i am not struggling with the monthly instalments.

Review posted by Tracey Hutchins, Welling

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We used this small instalment loan from Pounds to Pocket to buy a decent secondhand car for our son who has just passed his driving test and is is eager to start driving himself to college. The wife and I wanted him to start driving as soon as possible while he was still confident and all the lessons of road safety were still clear in his mind. Without this instalment loan from Pounds to Pocket we would have had to scrape together the money over a period of a several months but instead we can get our son his car now and by the time this loan is repaid he will hopefully be a much more experienced and safer driver which is all a parent can ask for isn't it?

Review posted by Bill Clements, Maidstone

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My friend told me to stop stressing out every time I was short of cash and do what she does which is to get a payday instalment loan. Isaid I was worried that a payday loan would just become another money worry and she said not if I got a loan from a responsible loan company that made sure they weren't lending you money that you couldn't afford to repay easily.

So on her advice I took out my first loan with Pounds to Pocket this week so that I could pay a couple of over due bills and also afford to get a new outfit for a wedding this month.

The customer services team at Pounds to Pocket were very helpful and gave me some advice for future loans and how to budget my monthly salary more efficiently.

Thanks to Pounds to Pocket I am a lot more relaxed about my finances and I will keep them in mind if I need another loan in the future.

Review posted by Abigail D.

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A colleague at work put me on to Pounds to Pocket when I said I was thinking of taking out a loan to help with the cost of my daughter's wedding. My wife and me weren't expected to pay for everything as our daughter is a very independent young woman when it comes to money but we still wanted to contribute as much as we could.

Pounds to Pocket approved a loan for us for their maximum amount as my salary and credit history is good and the repayments are within my affordability.

We feel so happy being able to contribute to our daughters special day and as we have two other daughters I have a feeling we will be using Pounds to Pocket again sometime in the future.

Review posted by Brian Evans

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I have a really busy social life and I am always being invited to things that end up costing more than I intended spending so once in a while I have to take out an instlment loan with Pounds to Pocket so that I can get myself straight and my bank balance looking healthy again.

I have been using Pounds to Pocket after a friend recommended them and so far I have been very happy with them and so I don't feel I need to look for a different loan company at the present time although I do keep an eye out for any new adverts for loan companies. so as to keep up to date with things.

Review posted by Charlotte Freeman

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I sometimes get an instalment loan to help out my son and his wife who are struggling with their finances at the moment and because of their recent credit history neither of them can get a loan themselves.

My wife and I are both still in full time employment and so we aren't compromising our own living standards too much by borrowing the money this way. As far as we are concerned the peace of mind we get from being able to help our son is worth it every time we will continue to help him in this way for as long as we need to.

Review posted by Dermot Glenister

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Not all my experiences of payday loans have been good but I have been using them for several years now and over time I have learned to pick the right loan for me rather than rely on other peoples recommendations just because it suited their requirements.

A good loan company doesn't necessarily mean that they will be a good loan company for your particular needs. That is why after a bit of online research I am with Pounds to Pocket this time and if my personal circumstances change in the future I will start looking for a different loan company.

Review posted by Eamon H.

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Before me and the wife get to old to be able travel abroad and enjoy experiencing different countries cultures, climates and food we decided we would make the most of our money by boosting it a bit with the occasional loan to help pay for some of the more exotic holidays which tend to cost a bit more.

We generally only have to use instalments loans once a year as all our other trips are affordable without the help of a loan. So our upcoming trip to the Maldives is due to another loan from Pounds to Pocket who we used last year for our trip to New Zealand and we were very satisfied with them that time and thats why we are using them again

Review posted by Frank Jones

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When my brother asked me to be his best man I was really delighted and a bit surprised as I we don't see each other very often because we live quite a distance from each other and I thought he would ask one of his close friends instead.

However being best man created a bit of a financial dilemma for me as it meant I had to organise the stag weekend and I really couldn't afford the expense of going anywhere that involved hotels even for just a couple of nights especially as the wedding itself would involve an overnight stay in a hotel.

My wife said we should just get a loan and that would enable us to cover all the expenses of the stag weekend and the wedding without causing me any embarrassment with my brother.

I picked Pounds to Pocket for an instalment loan after doing a bit of research and they have just approved my loan for more than enough money to cover everything and the wife has bagged the rest for her wedding outfit.

Review posted by Greg Kennedy

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I have just had my loan with Pounds to Pocket approved and I am absolutely delighted as I have never used a loan company like this before and wasn't sure if it was the right thing for me.

Up to now I have always managed quite well financially but thats because I don't have very expensive tastes and when it comes to clothes I am not adverse to browsing in my local charity shops for things.

This loan was to pay for my one indulgence which is food and cooking it in particular. I had the opportunity to spend a weekend in France learning to cook cordon bleu style and I just had to go.

My sister told me about Pounds to Pocket as she had used them herself and so I applied straight away. Pounds to Pocket approved an instalment loan for me which I was very happy with and the money went into my account very quickly so I was able to book myself the last place on the cookery course before someone else beat me to it.

Review posted by Harriet Lincoln

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My twin sister and me will be celebrating our 30th birthdays next week and I just know she will have bought me something amazing. We both earn similar salaries but she is way better than me at budgeting her money and I always get fairly expensive birthday and xmas presents every year.

As this was a special birthday I just had to get the money to buy her the sort of present she deserves and I knew she was looking at a particular watch the last time we were shopping together. I decided t get a loan from Pounds to Pocket as I have used them before and even though I am dreadful at budgeting I knew I could afford the repayments.

I have just bought my sister the watch that I know she is going to love and I have to thank Pounds to Pocket for helping me out.

Review posted by Jess Mathews

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My mum wasn't happen when I told her I was thinking of getting a payday instalment loan to pay for a holiday with my boyfriend but my dad said he didn't think it would be such a bad idea provided I got the right loan with the right company and made sure I could make the repayments each month. I suppose he was relieved I wasn't asking them to lend me the money instead.

Anyway, I got my loan with Pounds to Pocket and I haven't had a problem making my first repayment and I dont foresee any problems with the rest of the repayments as Pounds to Pocket made sure my loan was based on my earnings and my ability to make the repayments easily each month.

Review posted by Kerry Nolan

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One of the girls at the firm where I work told me about how she manages to get her annual week in sunny Spain and get her kids all the things on their every growing list to Santa each xmas. As we are both in similar positions being single parents I did used to wonder how she managed when I couldn't.

Well her secret seems to have been the regular use of payday instalment loans. She takes out 3 loans throughout the year with Pounds to Pocket to cover the extra costs that her holiday and xmas presents add up to and because she gets the right instalment loan to suit her earnings she never has a problem making the repayments. She admits she has to make sure that after paying her rent and things the next priority is the loan repayment before she spends any more money and that once she has done that each month she is able to relax and spend the rest of her wages accordingly.

I think her advice is the best bit of advice I have had in ages and that is why I have just applied for a loan with Pounds to Pocket and when the approved it and told me how much my repayments would be each month I wondered why on earth I hadn't done this ages ago instead of scraping by each month with not a lot to show for it.

Review posted by Linda Oldham

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