Cahoot

I applied for a loan from Cahoot this year after looking around at different rates and plans for quite some time. I didn’t want to rush into a decision and end up with a lot of hidden charges and fees and bad service, so I did my research and ended up settling on Cahoot. Cahoot don’t have individual banks of their own, they’re a division of Santander that you access on the internet or over the phone.I was drawn to Cahoot when I saw the low interest rates that were available, so I applied online for a quote. I called Santander first to confirm the loan terms and plans to make sure they were all the same as they’re advertised, and was reassured that everything was as it says online. I completed the application and got an email just a few minutes later saying that my loan had been approved, with an interest rate of 5.6%, which was much better than I expected or had been quoted elsewhere.Now that I’ve received my loan, I manage the money through Cahoot’s website, which is extremely simple and easy to use. I can simply login any time and see how much is remaining of my loan, managing my account and make payments. The online banking feature is very intuitive so even someone like me who isn’t very web savvy can easily manage their loan.I’d say anyone who’s looking for a personal loan should check out Cahoot, for good quality service, easy money management and low interest rates.

Review posted by Dave Hodgson

I’d never heard of Cahoot but was recommended them by a friend- so this is really two people’s reviews! They are apparently an offshoot of Santander, but it doesn’t matter who they are, they were great when I needed a loan quickly. I’ve taken out loans before, so I’ve been through the whole procedure a few times and this one was very straightforward, especially compared to a few others. Their rates are very competitive, but I also like the fact that they will give you a better rate if you have a good credit score, as I have one, and the rate was therefore very competitive. I didn’t need any help as, like I say, I’d done it before so all my part of the process was done online- but there is somewhere you can ring if you need help or to confirm details. The decision and the money came through really quickly too which is important- you don’t apply for a loan just to sit around and wait! You can also manage your loan online for the rest of its term, which I like as I do most of my work on the internet. I do my repayments by direct debit, but if I want to pay off a bit more than usual, and finish the loan more quickly, I can do that via their website. It’s an awesome service.

Review posted by Zara O'Neill

I am definitely the type of person who researches every little detail before I make any kind of decision. Normally, you would have a hard time selling ice water to me in the dessert, but to my disbelief, I found Cahoot! I was under the impression that there was absolutely no way that I could get personal finance because of my not so wonderful credit score. That was until I found Cahoot online!I needed to repair my car and all I applied for was the amount that it would cost me to do so. I am not really a risk taker! I applied for the loan and was shocked when I got a response within a few minutes, even more shocked when I read that I had been approved. I was surprised that I would only need to pay just over 5% interest back and ecstatic that I would not have to drive around in a bashed up car any longer.

Review posted by Archie Blackburn

Cahoot is an online company that specialises in unsecured loans. An unsecured loan is good because it means that if the loan is not repaid, then the company can't take away your home or any of your personal possessions. The company has very competitive rates and is perfect for people looking to loan large amounts between £7,500 and £20,000. This is because the APR could be as low as 4.2% which is very low for high amounts such as those.The representative APR is 4.2% and the loan period can be anywhere in the region of 12 to 60 months. You can loan as little as £1,000, which is very common amongst other companies and can loan up to £20,000, which is a little lower than the maximum amount available to loan from several others.The great thing about this loan, especially when you compare it to getting a loan from the bank is that it is so easy to get. You simply go online and fill in the relevant forms and the loan is very quick to arrive in your account so that you can start spending it immediately. The terms of the loan are clearly set out from the beginning so there really is no excuse for not knowing when you have to pay the loan back by or not paying the loan back in full, the company really does give you fantastically clear guidelines and rules when it comes to paying the loan back.

Review posted by Lucy McLean

I've just taken out a loan with Cahoot and have been really impressed by their service. I borrowed a large sum of £15,000 over a five year period, as I need the money for renovations to my house. I was very impressed by the low interest rate of 4.2%APR and my monthly repayments are less than £300 in total, so quite affordable. The online application was easy to complete although it's a good idea to follow their advice and have all the relevant information to hand before making a start online.I think some people might have problems with online applications though, and there is no customer helpline to call when you need to discuss loan applications.I bank with Santander and I don't know if this influenced their decision to approve my loan but I was very, very satisfied with the ease of the online application. I had an email from Cahoot confirming my loan application had been successful within a couple of minutes of applying.I'm happy to know the repayments on my loan are fixed throughout the term so I can factor this into my personal budget over the next few years. The low interest rate is very competitive and one of the best on the market at this moment in time. All in all, I'm extremely pleased with the Cahoot loan application process and the service I have received so far.

Review posted by Isabel Hale

Cahoot is leading online lender that offers and extremely reasonable APR representative rate of 4.2% for loans of £1,000 to £20,000. Loans can be taken out over a period of 12 to 60 months, obviously dependant upon personal circumstances. If you were to lend a sum of £8,000 over a period of 36 months then monthly repayments would equate to £236.62 and the total amount payable would be £8,518.32. Cahoot are a division Santander, which has significantly helped their online presence within the loan market. Customers have commented on the accessibility and simplicity of their website when applying for and ultimately securing personal loans. Furthermore, services on their website are easy to use and straightforward so even the technological novice can navigate it with ease. Cahoot obviously want the online loan application process to be simplified in order to maximise their chances of keeping and gaining new customers. Importantly, Cahoot have invested time and effort in making its website accessible so they potential demographic of customer can widen. Online lenders have the capacity to offer low interest rates and Cahoot have a growing customer base because of this. Customers do not end up paying as much back at the end of the loan term and this may encourage them to take out another loan with Cahoot.

Review posted by Tegan Stewart

When I decided to get a loan for consolidation, I took my time to shop around for the best deal. I decided on Cahoot because they seemed to have a good interest rate, and when I called to enquire they didn't seem like pushy sales people and were quite helpful about my situation.Having got into the situation by using bad lenders in the first place, the last thing I wanted to do was fall into the same trap with the company I would be using to consolidate all of my debts into one. I was also attracted the online application process and availability to log in and check my balance and statements online, as I am now realising being careful with my finances is very important.The application was very straight forward, although I did not qualify for the low interest rate advertised, and the rate was significantly higher. I still went with Cahoot as with my credit rating it was probably not feasible that I was going to get a loan from anywhere else. I think a lot of people who take out loans and do not get the representative rate are being a little bit unrealistic about their credit history. So far I have received more than adequate customer service from them. althoughI wouldn't necessarily recommend them to someone who really is looking for that lower representative rate, if you can be realistic about your credit scoring then you will probably be happy with their service.

Review posted by Harriet Hayward

I got refused for my loan because I only turn 21 in December. I tried explaining to the lady on the phone after my on-line application didn’t pass through that I had no trouble getting my bank account and didn’t get the same kind of problem. She said that the account is fine for anyone over 18, but the loans are only for ages 21 or older.Well that’s just terrible service! How can they not help people who are young? It’s not like I’m 19, or 20; I’m almost 21 and I never have problems anywhere, people are usually nice. I guess the person on the phone was just having a bad day or something, but they didn’t even let me speak to a supervisor.I had to go to a bank to get a higher percentage in the end and it’s making it harder to pay my bills so Cahoot gets a thumbs down from me. They are lacking services for young people and we are stuck without any help from them at all.

Review posted by Melissa Heath

We got our Cahoot loan on the advice of a friend who already had a Santander account (Cahoot is the on-line version of Santander). Overall we are very happy with their services. We had already researched what we wanted so it wasn’t hard to negotiate with them over the phone for a good rate. It took about 20 minutes of explaining, but in the end they gave us a fantastic deal.We can take 3 years to pay back the loan of £12,000 that we got for upgrading our garage doors. They were out of date and the people who came to see it said it was dangerous! In any case, within a few weeks we had a new garage door in a classical carriage style that now matches the rest of our house. Not only that, it has an electronic locking system and protection so the rainwater and leaves don’t come in at the bottom.Without a doubt we had a great experience with Cahoot and I would recommend them to anyone who is thinking of upgrading part of their home!

Review posted by Elise Nixon

I found Cahoot's interest rate of 8% much lower than my banks 11%. For this reason, I decided to take a personal loan from them. It took me less than hour to apply online where the instructions were very simple and straightforward. I was happy when my application was accepted almost immediately. The credit agreement papers were sent to me the following day for signing. A week later, the money was in my account. What I liked most about Cahoot's personal loan was flexibility of repayment. There were basically two options: making minimum monthly repayments or choosing a higher repayment. I chose the latter because I wanted to clear the loan fast. The good thing about this arrangement is that the repayment amount you choose is not fixed. When it reaches a point where you feel it is too low, you can increase it to higher levels. You can also reduce it when you become uncomfortable with the amount you chose as your monthly repayment sum. This flexibility enables you to be in full control of the repayment. Equally excellent was their customer service. All my questions and clarifications were always ably and promptly addressed either through the phone or email. Overall, I really had an easy time with Cahoot. For those not sure whether to take a personal loan from Cahoot or not, I would advise you to go ahead and take one with them. You will not have any cause for regret.

Review posted by Anthony Pritchard

Cahoot is Santander’s official online division for financial services. Cahoot products are accessible either directly or through Santander’s website. The loans they give are unsecured, so you don’t have to worry about the collateral to use. The representative APR is 4.2% if you apply for a loan of at least £7,500 and at maximum £20,000. This rate will change depending on the individual’s credit worth and payment duration.You can borrow from £1,000 to £20,000 to use in any way you want without any restrictions. The repayment period for the loan is favourable, since you can choose to repay from 12 months to 60 months through direct debit. The rate that you get for the loan during application remains constant throughout the repayment period so you can easily plan on how to repay.If you are over 21 years and a permanent UK resident, then you can call Cahoot’s call centre or visit their website for the loan application. The call centre will answer any queries you have or you can visit any Santander branch near you and they will assist you to get Cahoot’s loans.

Review posted by Joseph Kemp

As a fairly disgruntled customer, I thought I would submit a review of the loan services provided by Cahoot. What could have been a great service has been marred by a general sloppiness of service.I was attracted by the market-leading APR, and I think that is something that will lure in many more customers. The service started off well during the inquiry stage. The lady I spoke to was friendly and professional. I guess this would be the case with most lenders though, with their best staff at the front of house, or so to speak.I settled on an amount and was given details of repayment. As one would expect. I had an unexpected boost of income before the loan was repaid and wanted to pay up, avoiding the rest of the interest. I called and couldn't get in touch with the correct department. It was as if this was an entirely alien concept to them, and no one had inquired about it before. The staff I dealt with were disproportionately difficult and it took several calls to address the matter.When I thought that it was over and the account was closed. I continued to receive statements and requests for payment. Maybe this was just administrative error but it is worrying to receive such correspondence unexpected.Regardless of the APR, I will have to mark down on value as time is money, and stress takes away from the value of a product. I'm afraid I can't recommend this service.

Review posted by Finlay Watkins

Cahoot was not a name I was familiar with but I couldn't argue with the facts and figures I was presented with, as they say – money talks! The main attraction for me was the exceptional rate of interest and fixed repayments, the fact that it was an unsecured loan only sweetened the deal. I hadn't thought it possible to borrow the amount I needed to with an unsecured loan as the APR is usually higher and the repayment times shorter than with a secured, but Cahoot managed to accommodate my needs perfectly!Through the use of their repayment calculator I was able to decide upon the best deal for me, after agreeing a repayment term and a more than satisfactory APR I filled out a quick application form and received an acceptance email in minutes – job done! The only thing that did come as a bit of a shock is that at the start of the application process it took me through to Santander's website, after looking into it, it turns out that Cahoot is one of their online divisions.Having dealt with them on this occasion I would have no reservations about using them again in the future, it was a quick and easy process with none of the fuss you would normally associate with loans or financial products, the way in which Cahoot operates is refreshingly different from the main stream lenders and that is no bad thing!

Review posted by Alice Hewitt

Cahoot's loans start at a reasonable level. You may borrow any sum between £1,000 and £20,000. Cahoot offers a fairly flexible loan package at decent interest rates. At 4.2% APR, their best loan rate is not the cheapest but it's not the most expensive rate available on personal loans either. Customer care for Cahoot personal loan customers is not bad. However, support is provided through telephone only. This means that you cannot speak to a representative face to face if you have a problem. Communication with Cahoot is limited. UK residents may only apply online for Cahoot personal loans. There is no other option and you can only call to make queries about your loan after it has been approved and disbursed. You will not be able to borrow more than £20,000 from Cahoot. Their repayment term does not extend beyond 5 years. However, they offer relatively small loans starting at £1,000 and you are allowed to pay it back within a year without penalties being applied. Cahoot is a fair option for consumers who need personal loans.

Review posted by Amelie Lowe

It was debts tumbling out of control which made me consider applying for a personal loan. I tried to do as much research as I could to find out which loan provider would be best for me and allow me the greatest of success. It's then I discovered that one of my best options was at Cahoot, plus I was very attracted to the low rates displayed at Cahoot. While I did get approved for a personal loan at Cahoot, there was a flaw in this deal. Let's talk about the rates at Cahoot. This is the only real problem I have with getting a loan from them. They initially attract you with their low rates but what most people fail to understand is that there will be rates hikes throughout the duration of your loan. Luckily I can still afford to make the repayments but others may not. Apart from that problem, everything else went just as they said it would. The application was nice and easy to get through and there are a few nice features such as being able to keep track of everything online. Like I said before, I am happy with the service they provided but disappointed with that one thing. Also a word of caution. I just think I should advise people on maybe doing a bit more research and reading things more carefully before fully committing to personal loan.

Review posted by Sarah Parry

Cahoot have been around for a while, and having used them in the past, their service is patchy; they are not the worst lender out there, but any borrower can easily do better. With Cahoot being an exclusively online company, the opportunity to have instant customer service is limited, and face to face contact is non-existent. This also means that their service is largely reserved for people who are technically competent and are comfortable with using the internet for high value financial dealings. On a positive note, however, they offer loans from a low £1000 to a rather high (and convenient for many) £20000. Their APR generally comes in slightly higher than the competition, and in cases of financial difficulty or changing circumstances they have been cited as being very slow to respond. However, the speed of getting the money to the customer has been praised by many, and their process for determing what the money can be used for is relaxed, meaning you don't have to worry about them asking all kinds of questions. A downside, however, is that their APR can change, depending on your credit rating and how much you want to borrow. So, if you're desperate, have a patchy credit rating and need a high amount, they may well sting you by as much as 2% over what they advertised.

Review posted by Aidan Wyatt

I am Jane. I decided to apply for Cahoot personal loan for their good rate of 4.2 percents. Before I applied, I carried out a review of various loan providers in this country. Although Cahoot is not a bank, its lending terms are better than many banks including my bank, which was lending at 11% interest rate.The application process is straightforward and simple. I could complete the online application in less than an hour. My application was accepted a few minutes I posted it to them online. I received the credit agreement document within the next 24 hours through a speed post. I signed the papers and posted it to them a few days after. I received the money in my account four days after submitting the papers to them.Cahoot is the lending institution in this country many people would like to do business with. Apart from offering the most competitive APR, the application process is simple, the instructions are quite clear. Worth noting is their flexible repayment terms. I had to select from two repayment options, which include a higher monthly repayment or a minimum repayment.I considered my financial situation and chose the minimum monthly repayment method. Moreover, the repayment amount is not fixed. I actually determined what I pay; sometimes I increased the monthly repayment amount. I was in full control of what I paid to them at the end of every month. They have an excellent customer care service. They promptly reply to query you send to them. 

Review posted by Jane Scott

When I decided after 20 years to renovate my bedroom the furniture turned out to be so decrepit that I decided to replace everything. Usually I'm not the type of guy stepping blindly into the advice of others, but this time I did.Reason was the tip i'v got from my brother about the attractive and very low APR of 4.2% when borrowing between £7,500 and £25,000 from Cahoot.Another reason was the by this bank's given certainty that the loan, once approved would come with a fixed, never changing rate, allowing me to know what my repayment per month would be. That satisfied me.I must say that applying for the loan I had in mind went quite smoothly, though I had a couple of questions about some things unclear to me which were answered adequately and in an appropriate way by the people from the Cahoot Call Centre.My loan of 15000 quid turned out to be calculated well, paying it back over three years which is easy for me with my income. As far as I'm concerned Cahoot turned out to be a good choice.

Review posted by Jim Church

My name is George, 57 of age. I was born in Greece, some years before the Colonel's Regime broke out.I always lived a simple life, even after my escape to the UK where I was accepted by the most friendly and generous people I ever met before. Much unlike Greece in those days.But what I like to state here is about my wonderful experience with Cahoot some weeks ago. I'd forgotten the request to leave a reply, so that's why this review.Somebody, or some people together destroyed my Kangaroo car. I don't know why. but this was my only way of going out to the supermarket or the social security office and therapy. Bunch of cowards!My neighbor who's working at the Cahoot bank informed me that there might be a way to have my lost or stolen Kangaroo replaced with another one. Maybe not new, but at least a decent one that works. He, my neighbor did all the work by phone and asked me questions which he returned again to the people on the phone. I'm not sure who was more happy, him or myself when he told me the next day that I was allowed to take a loan with a low interest as he said of only 4.2 percent or something.We went together to look for the new car which is a red one. Its almost as handy as the old Kangaroo, but that's o.k with me. I didn't had to worry about the money he said, as by the end of every month the bank will deduct it from my account, the same as where I receive my pre-pension and disability-insurance. Thank you people from Cahoot, more in particular my neighbor Frank. I hope it is o.k like this.

Review posted by George Panakilaos

A year ago I applied for a personal loan with Cahoot of £10,500. No big deal, asking me and I found myself quite confident with this agreement. No remarks or comments needed. But now it comes:The loan came with a direct debit agreement for the repayments. Usually a good plan as in this way you never forget to pay a term. No thumbs up this time, as the bank deducted a small amount for some charges I still don't know what it is. The result was that there wasn't enough credit on my account to have the planned term deducted. Nevertheless it went all right again, but not only after 3 weeks! So to everyone: be sure you have your ass covered or you end up receiving letters, e-mails and unnecessary calls from your bank!

Review posted by Rowan Hyde

I did have some trouble with banks a few years ago with reclaim of chargers. I then since have closed accounts in the past due to incompetence of bank staff and bad interest rates.I think i have had my Cahoot loan for around four years now and have always found them efficient and polite to me. As you would hope a bank would be to all there customers.I find the online banking system easy to find my way around was happy to see they offer other accounts too.I would advise everyone to shopping about for better interest rates but if good service is important to you as it is to me you might want to consider Cahoot as your lender.

Review posted by Mr Watson

The found Chaoots website to be extremely basic but it works. The customer service has always been good when ever i have needed to contact them. Me and my husband have been banking with Cahoot since it started and have never had a single problem with them.We have 2 current and 2 savings accounts on the site which makes it very easy to move money around online with no phone calls. More recently we took a £9000 loan to get a second hand mini van.Don't recommend it purely because recently we have been told there are no new accounts are available.

Review posted by Emily Jones

The main reason I chose Cahoot for a loan was really more that I had been turned down by a couple of other lenders including my own bank and I was beginning to get desperate. I needed to get the finance sooner rather than later or I was going to miss out on the opportunity of a lifetime to become part owner of a small racing yacht.Racing yachts is a passion of mine and most of my weekends are taken up with the sport which is very exciting and extremely competitive. When Cahoot approved my loan I was over the moon and I am now the proud part owner of a small but very beautiful racing yacht courtesy of Cahoot and no thanks to my own bank!

Review posted by James Beresford

I have just been approved for a third loan with Cahoot and to be honest after all the refusals I have had from other lenders I don't think I will bother going anywhere else for my loans in future.Cahoots online application process backed up by their call centre support makes the whole thing easy and as straightforward as possible and the call centre staff dont blind you with a load of legal jargon. You know exactly what you are agreeing to and that is very important for someone like me who has got into some problems with money when I was younger and really dont want to go there again.

Review posted by Danny Simpkins

After a bit of a wild time growing up and giving my parents lots of problems as a teenager I have finally settled down after meeting my soon to be husband. He was no angel himself when he was growing up but he got his act together a lot sooner than me and by the time I met him he was a very responsible 25 year old with a good job and great prospects ahead of him.So you can imagine how bad I felt when my past came back to haunt me in the form of a terrible credit history which was proving to be a real stumbling block when we were trying to get the money together to pay for our wedding and a deposit on a flat. My partner had managed to get the maximum loan his salary would allow and I was determined to get my share of the money we needed. After a lot of online research I ended up giving Cahoot a try and to my absolute relief they approved my loan and I can't believe how lucky I am.I just want to thank Cahoot for helping to make my future happiness with my wonderful partner that much closer to becoming a reality.

Review posted by Eleanor Frost

Seriously, after all the aggravation and stress I have had recently when trying to get a personal loan with some of the High Street banks I have decided after finally getting my loan with Cahoot that I wouldn't touch any of those banks with a bargepole in future.I was very annoyed with my own bank for basically turning me down without hesitation but they still continue to bombard me with carrot dangling loan offers through the post. Talk about rubbing your nose in it!I have been so impressed with Cahoot that I am considering changing banks and going with Santander of which Cahoot is their online division. I figure Santander can't be any worse than my own bank and just might be a lot better if their online division is anything to go by.

Review posted by Rob Mathews

I don't advertise the fact but I regularly have to rely on loans of one sort or another and I dont feel bad about it as I just accept it as part of my life unless I win the lotto or bag myself a millionaire any time soon!But the reality is getting approved for loans when I need the money can be stressful and I have been refused loans on lots of occasions. So when I had my first experience with Cahoot on the recommendation of a friend and they loan went through without any problems I soon realised that Cahoot would be part of my financial life for a while but in a very positive way.

Review posted by Chris Spencer

Until I started my online application with Cahoot I didn't realise they were part of the Santander group especially as Santander came up as a separate personal loan option when I was making my initial search but I had dismissed them along with the other so called High Street banks because I had not had much luck with any of them in the past when looking to take out a loan and didn't want to go through all that again.I am not sure why Santander feel the need to have an online division called Cahoot unless they think that like me maybe some people will be put off applying for a loan with them because of previous experience with High Street banks. But I am very glad they did because otherwise I might not have ended up with the loan I have now which I am more than satisfied with. So a big thank you to Cahoot/Santander or whatever you want to call yourselves and I shall certainly give you another go the next time I need a loan.

Review posted by Adam Wyatt

My fiancee has just found out she is pregnant and so we decided to bring our wedding plans forward as neither of us want our baby born out of wedlock. It might sound a bit old fashioned to some people but that's just how we feel.We hadn't planned on a big lavish wedding anyway but we still wanted to make it a very special day for us and our families and so that meant getting a loan to make up the shortfall of what we would have been able to save if we were getting married next year.After a bit of frustrating online research we finally opted for a loan with Cahoot because quite simply they were the first ones to give us a definite yes with our initial application and as they were as competitive as all the others with regards to interest rates give or take a % of a % in most cases, we just went for it. Time was of the essence and we wanted to get our wedding planned before my fiancee felt too big to get into the wedding dress she had set her heart on.

Review posted by Lenny Cole

My sister works for Santander and when I asked her advice about getting a personal loan to help with some home improvements she recommended Cahoot who I had never heard of before. When I asked why she hadn't suggested Santander she explained that Cahoot was an online division of Santander and that she thought they would be able to sort me out with the loan I needed.She wasn't far wrong which is usually the case and I'm happy to say I got my loan with Cahoot in no time and the home improvements are well on the way to being completed. She also advised me to post this review to let other people know that I am a satisfied customer which is only fair I suppose.

Review posted by Bridie Lynch

I'm not sure if the name Cahoot is in reference to the partnership with Santander of whom Cahoot is the official online division, or whether it refers to the partnership that borrowers enter into when they take out a loan with them but whichever it is I am just posting this review to say a big thank you to both Cahoot and Santander for approving my personal loan when I had almost given up hope of finding the right loan to suit my needs.When you need a substantial amount of money in a hurry it can be very stressful and so the fast and efficient way in which Cahoot processed my loan means a lot to me and I just want to say again a Big Thank You to them.

Review posted by Maria Schofield

Cahoot were recommended to me by a friend who banks with Santander. He explained that they were an online division of the bank and were a good option for people like me who had problems getting a personal loan with some of the other banks.He has been a friend for many years and his advice has always been sound so I didn't hesitate and applied online straight away for the loan. Cahoot came up trumps and approved my loan without too much delay and before I knew it I had the money I needed and my stress levels were back to normal. Well as normal as they can be for a dad with three teenage kids.

Review posted by Dave Marshall

My name is Mary Warren and I recently applied for a £4000 loan with Cahhot. I did apply on line but was a little confused about the interest rates, fees, etc, so I then phoned the call centre and they answered all my questions. It is a good part of their services to clarify everything.Once I was clear on how it all worked and was told what my repayments would be I told them to go ahead. They authorised my loan for which I'm very grateful as I really needed this money. Nice and easy to apply. Excellent call centre services and friendly.

Review posted by Mary Warren

Cahoots is one of the many personal loan companies out there. We are flooded with them, the problem however, specially for people who are not too technical, is that getting all the answers on line can be tricky. It was a nightmare for me to work out, even with the calculator, how much I would pay monthly if I took out a £3500 personal loan. Also how many months to repay over. Suddenly I read on the information page that I could phone the call centre and that saved me from total confusion.The lady at the call centre was very hepful and even suggested I take the loan over 4 years instead of 3. It seemed like good adice as it took away any pressure . The procedure was simple and Im thankful for the professional help. My loan was granted ans the money transfered with no delay.Thank you

Review posted by Wayne Chamberlain

I searched long and hard for the right company to ask a loan from.In the end I chose Cahoot's. I am 22 years old , am young but have a good job and never borrowed before. My sister got married and I really wanted to buy her a wedding dress as a gift, as she has always been my best friend. She said no, but I insisted!I did not have any spare cash, so I needed a loan. I applied on line. It was rather easy to follow. They asked for some details about my job, wages, my expenses, and they did, I suppose, a credit check on me. They then lent me the requested €1000 which I have to repay over 12 months. It will not be hard to repay and the interest rate is very fair.

Review posted by Charles Wilks

My cousin applied for a loan with Cahoot's a few months ago and it was declined. He was furious. He is 20 years old and he earns a very good salary, also he only applied for £2000. He was told he has to be 21 years old. When I needed a loan, a few weeks ago, I thought I'd tempt fate and make my first attempt with Cahoot's...to see if they'd say no to me too...as I'm only 21! To my utmost surprise after some questions and credit check and verification of some data to do with my wages , expenses etc, I received information that yes, I could borrow £3000 over 24 months. I was delighted. You will not have me bad mouthing you Cahoots. I guess rules are rules.

Review posted by Yossef Govender

This summer I just had to take a trip overseas. I worked very hard in the last year with very few breaks as I run my own business and can't just take holidays whenever I see necessary, specially as my wife just had a baby and therefore stopped helping me in the office 6 months ago.But now with the birth of our 1st born out the way... we both needed some quality time.It was not cheap and I didnt want to touch our saved cash so I applied for a loan of £4000 from Cahoot's.I had never heard of them but the fact that they were part of santander reassured me. They did not ask for collateral against the loan which was a good point too.I decided on repaying them over 24 months as that way I hardly feel it. I was pleased that the repayment amounts are fixed with no nasty surprises. They seem solid enough.

Review posted by Wayne Wyeth

I recently found out why my fiance has been so stressed over the last few months. She had a credit card debt outstanding of £1800 and just could not make the necessary repayments. She got into trouble as she got addicted to gambling on line and before she realised it she was in financial trouble. She didnt want to tell me and she couldnt take out a loan either as she has a ruined credit record. I decided to help her out as I have an immacualte credit rating and earn a fair wage. I approached Cahoot's on a friends advice as he had borrowed from them before. He felt they were upfront with no hidden fees or charges. I applied for a £2000 loan and used the extra £200 to take her out for a very special dinner, saying it was day one of a new life. The interest Chahoot's charged me was less than I expected and I'm happy to pay it just to see the relief on my fiances face. I opted to pay them back over 12 months and just tighten the belt a little during that period, as I hate owing money.

Review posted by Peter Franzel

Will I make a habit of borrowing money just because I picked up the phone and was granted a £1000 loan in a blink of an eye? Absolutely not! I hate borrowing money and paying interest even if interest is low as was the case. But I guess it does feel good to know that if one needs some extra cash suddenly, it can easily be raised...well...if one has a job, a good track record and ofcourse qualifies after they check you out.I must admit I was impressed that it could happen so easily with no stress, as I found out after dealing with Cahoot's. The call centre girl I spoke to was very professional, calm and helpful. I did very little except answer her questions and then sign the agreement. I will pay this back in one year and try not to do it again ...intend to be rich by the time I'm 30. LOL. Tks Cahoot's.

Review posted by John Sellers

I have worked as a hairdresser for the last 12 years with my sister. The salon was hers but as she is older than me, she decided she would retire and spend more time with her husband. She gave me the opportunity to buy it for a small amount of £12000, an opportunity I could not refuse. Not having the cash, I approached Cahoot's. I spoke to their call centre and they helped me to work out a good repayment plan that would be affordable for me.WE agreed on a loan over 4 years and they gave me a good interest rate as I have good credit references and have never defaulted on a previous loan that I took out to buy my car, which was paid off long ago. I'm thankful for Cahool's guidance in this matter. I now am my own boss!

Review posted by Rick Morrison

My husband is the type of man that has everything. And what does one get a man that has everything as a birthday gift? I had the crazy idea to buy him a guitar. He is bored and ever since I met him he has been saying one day he would learn to play the guitar, so on impulse I applied for a £1500 loan and " voilá" gave him his wish!Cahoot's were wonderful. I made the application on line, provided them all the requested information and in a short period of time they contacted me to say it had been approved. Its scary how much you can borrow when you have a clean track record....but then again I guess they say no, just as easily if someone is a risk. Nice to have a clean name.

Review posted by Alan Boyle

A short while ago I was in urgent need of a loan for a personal matter thet seriously needed to be sorted out. I shopped around and checked most of the loan institutions and decided to approach CAHOOT online and request a loan of £4000. I liked the fact that they were a division of Santander and their rates were according to me just about the best. I have a decent credit rating and am steadily employed so my loan was approved very quickly indeed. The deal was that I pay back the loan over 36 months using a direct debit order, the amount never changing and I could even pay it sooner if I wanted thereby saving on the interest. I found them to be really professional and wouldn't hesitate to use them again. Well done CAHOOT:

Review posted by Kevin Harrison

I set up the loan easily 2 an a 1/2 years ago with Cahoot Personal Finance Company. I was in a position 4 weeks ago to close the loan and pay the outstanding amount off early.Cahoot had a facility to do this online so i done this and I thought the loan account had been successfully closed. I then received in the post the settlement figure and a statement to show this had been taken out of my current account.Although my direct debit payments have stopped to the loan the account remained open, therefore appearing as though I was in never paid off and closed.After numerous phone calls to Cahoot, customer services admitted the mistake and arranged for the Closure of the account. Due to a mistake in the settlement figure and the loan account now closed i hope this does not effect my credit rating in future.

Review posted by Mike Wilson

Cahoot Online have competitive rates. They use secure remote access website and it easy to navigate around. Cahoot Online offers a fully flexible loan with a highly competitive apr rate. The only down fall i have found when using Cahoot in the past is there slow response times are an issue.At the time i took out my loan they offered me a pay what you like, when you like loan. Online statements and payments make keeping track of it a doddle and you can do it in your own time. Only downside is that once you have taken out the account your rate will not fall if base rates do - but can go up if they rise.I have since paid off my loan and i would use Cahoot in future if i was looking to borrow again.

Review posted by Mandy Clark

Overall I have found using Cahoot as my loan provider to be very simple and friendly service.I applied online 4 months ago and got an immediate decision. Then got i the paper work sent to me to sign, send back and I was all set. The money was sent quite quickly to my designated account, 2 hours after i got email confirmation of my documentation and identification being received Cahoot from myself i had the funds.As the loan is online I can check the balance of it whenever I like and keep and eye on this. The rate is fixed for the full term of the loan and my standing order is monthly. As long as it's paid i never have any problems.I would recommend having a look at the website if you are looking for a loan and check out and see if Cahoot can help you, like they did me!

Review posted by Tori

I took a loan out with Cahoot last year. It was my second loan with them as I like the whole flexible approach. However, last February they wrote and said that my Special deal on the loan had finished and the interest rate would change. Could i contact Cahoot to speak with an adviser to discuss my options. I was not aware that it had been a special rate and as far as I remember, I did not sign any paperwork that highlighted this as a special rate and none of the small print mentions this.After speak with Cahoot i have since found out they have changed there loan products and services and the remainder of my loan would now be at a fixed rate off 5.8% and no flexible.At the time this did annoy me but i have had no issues in making my monthly repayments and i have paid off my loan today over the phone with Phillip in there fiance department.I would use Cahoot again as i have used them numerous time in the past i just hope they looking back in to flexible lending

Review posted by Miss Leona Ingles

I was after a second car as my son is now also using the family vehicle, so needless to say it's a bit of a mess. I found the car we wanted and turned down the credit offer from the dealer as I felt I could do a lot better.I'd read about CAHOOT and their unsecured personal loans and also about their low APR so applied for the personal loan to buy the car which was £8000. A lovely vehicle in immaculate condition with a guarantee and Cahoot approved the loan without much fuss after their credit checks were concluded. The loan to be repaid over 5 years also suited me down to the ground. Believe me, the second vehicle has really changed my life and that's thanks to CAHOOT and their professionalism.

Review posted by Grant Matthews

I wasnt sure if I qualified for a loan when I applied with Chaoot. In fact I had never asked for finance before, neither did I have a clue which loan company to go with as there are so many to chose from. I tried to compare to make the best choice and finally I opted for Cahoot as I saw they were somehow connected to Santander, a name I recognised as being a major European bank. I requested they lend me £2000 over 24 months. I phoned their call centre and they guided me with the application. My loan was approved and I feel that I was dealt with in a very professional manner. I have nothing but praise for the way they handled the whole application procedure. Thank you.

Review posted by Peter Jones

I applied for a personal loan of £5000 from CAHOOT because I was told by a friend who also has a loan with them that there are no hidden costs whatsoever and that their rates are fair.The whole process was simple and after they ran their credit check on me the loan was approved and within a few days the money was in my account. I felt safe with them because they are connected to Santander and the loan was structured so that I pay equal instalments over 36 months via a direct debit. So simple and very little red tape.I'll recommend CAHOOT anyday.

Review posted by Paul McIntyre

I was surprised to learn that Cahoot were the online division of Santander and wasn't even going to bother doing the online application because having been refused a personal loan by my own bank I felt sure I would get the same response from them.I am happy to say that I was wrong because after thinking "well I'll give them a try anyway" I was given the loan subject to the relevant credit checks being satisfactory. I was eventually told the loan was fully approved at the terms and conditions that suited us both and now that the money is in my bank account I am wondering what my bank thinks about having turned me down in the first place.

Review posted by Denny B.

I am not what you would call a typical dumb blond but when I applied for a personal loan with Cahoot I had absolutely no idea they were the online division of Santander who happen to be my bank. In all fairness I have only been with Santander for less than a year and this is the first loan I have ever applied for but it has taught me that I really should pay attention to the small print in any contract especially where money is concerned. I am sure had I read all the information pamphlets that Santander send me on a regular basis I would have picked up on that particular detail somewhere along the line.Anyway, no real harm has been done because I have just got my personal loan and no one else needs to know about my little faux pas!

Review posted by Olivia Bailey

I don't make a habit of making recommendations, especially when it comes to important things like loans. I think everyone's personal circumstances are different and you can't give out blanket recommendations based on your own experience.But what I am happy to do by way of this review is to say how satisfied I have been with the service I have received and the overall terms and conditions of the personal loan I have just taken out with Cahoot.I would also like to mention that I had no idea that Cahoot were part of Santander, a fact I only discovered when I went online to the comparison website prior to making my choice.

Review posted by John Gillet

After choosing to go with Cahoot for my personal loan and starting the online application process, my computer crashed and I was left with 3 choices. Either wait for the computer to get sorted, pick up the phone and continue the application with their Customer Services or visit a branch of Santander to apply in person.I opted for the phone but unfortunately I got fed up waiting for them to answer and so I went to bed after deciding I would pop into the Santander branch near to where I work the next day. I hadn't realised that Cahoot were part of Santander otherwise I might have gone down that route in the first place.Eventually my loan has been approved and the money has just been transferred to my account and the only thing I could really moan about was the time wasted hanging on waiting for someone to answer the phone.

Review posted by Mark Tipton

I had spent the last couple of weeks worrying about how I was going to get the money to pay for my leaking roof to be repaired before we get another typical British downpour, the last one being what alerted me to the leak that I had so far been blissfully unaware of during the summer months.When my daughter visited she told me to stop worrying and get online and check out some personal loan companies. She's always telling me to be pro active and just get on with things.So I have just 'got on with things' and applied for a loan with Cahoot, the online division of Santander and I can't wait to tell my daughter because I bet she didn't know that little bit of information, but knowing her she will say she did!

Review posted by Liz Whitley

After a recommendation from my friend at work who banks with Santander, I went online and applied for a personal loan with Cahoot. I tend to get a bit confused with some of the banks and loan companies and so a personal recommendation is always helpful.I managed to navigate the online application without too many problems but I did ring their phoneline as well and talked to a very nice Customer Services lady who talked me through a couple of things.I have just had the loan confirmed and they have told me to expect the money to reach my account within the next couple of days so I just wanted to say thank you to Cahoot and in particular the nice lady in their Customer Services department.

Review posted by Ann Stevens

When we first moved into our house at the beginning of the year we decided that we were quite happy with the existing neutral decor that seems to be the preferred choice of builders these days.However, as most men will tell you, women have a tendency to change their minds and my pregnant wife whose hormones are all over the place (her words not mine) has decided she wants the living room and dining room decorated in time for Christmas.With the baby due early next year we had already spent what spare cash we had on decorating the nursery ourselves but the living room and dining room were way out of my decorating capabilities and so I decided to get a loan to pay for a professional painter and decorator to do the job for us.One thing I am good at is getting the best deal on anything that is going to save me money and so that is why I went for the Cahoot personal loan option which was just the right package for me in terms of competitive interest rates and suitable repayments to fit in with our affordability.We have just had our loan money deposited into our bank account and the wife is already choosing colour schemes of which I am told I have no say in which considering I have colour blindness, it is probably just as well.

Review posted by Memhet H.

My loan with Cahoot was to sort out a few money problems, the main one being to pay my dad back for getting my car back on the road after it failed its MOT because of 4 bald tyres. Even buying reconditioned instead of new ones was still more than I could afford at the time but my dad insisted on paying for new ones and said I could pay him back as soon as I got my finances back on track.Well I have got a new job that is paying quite a bit more than I had been earning previously and so the first thing I did was secure a personal loan with Cahoot after checking them out on the loan comparison website.In just over a week since applying for the loan I have had the money transferred into my bank and the first thing I am going to do is take my dad out for a pint and pay him back the money I owe him.

Review posted by Joe Williams

My new job means no more commuting to London every day which is brilliant but what it does mean is that I need a car because where I live is a bit awkward when it comes to relying on public transport.I have been using my mum's car for the time being but she has just got herself a little part time job in our village tea rooms and doesn't want to have to walk there during the winter months so has given me a deadline for when she will be taking back ownership of her car as she sarcastically puts it.I took the hint and got straight onto sorting out a personal loan and Cahoot proved to be my best option. So after letting my dad give the terms and condition the once over before I committed myself to the loan I then went ahead with it and now that the money is available to me I am shopping for my new car at the weekend with my dad who wants to make sure I don't get sold anything 'dodgy' as he likes to put it.

Review posted by Ella Parker

At the last minute we have decided to visit my sister in Australia for Christmas. She has been nagging us every time we speak on skype and as she visited us the last time we all got together for our parents 40th wedding anniversary 3 years ago, this time it was our turn to do the mammoth journey to the other side of the world.To afford the trip we needed to get a personal loan and surprisingly, my husband entrusted me with the task of getting the most competitive loan and I was determined not to let him down. So unbeknown to him I enlisted the help of my friends son who had managed to find her great loan when she was borrowing money recently.So over a cup of tea and a plentiful supply of chocolate digestive biscuits he got to work and found me the deal with Cahoot who I hadn't even heard of but was amazed to find out that they were a division of Santander.We have our loan now and the money is in the bank but I bet it will be me sorting out the travel arrangements and so I must ask my friend if her son is any good at that too.

Review posted by Diana Thomas

I have just been approved my second personal loan with Cahoot and the reason I am posting a review is because I am genuinely very impressed with the service I have received on both occasions and I should have taken the time to post a review the first time.After trying several times to obtain a loan through my own bank and being refused each time I began to question what exactly I was doing wrong. That's when I started looking elsewhere for a loan and when Cahoot approved my first loan I realised that there wasn't necessarily a problem with me but more a case of my bank being particularly over cautious with their lending.So my advice to anyone looking for a loan is "if at first you don't succeed, try going to Cahoot"!

Review posted by Charlie Hughes

For those that don't know how the name Cahoot came about, it simply means 'in partnership' and the Santander bank happens to be the other half of the partnership. I didn't realise that until I went online to look for a personal loan and read Cahoot's profile. I didn't take me long to decide on Cahoot personal loan option as it seemed to suit all my requirements.So even though I don't bank with Santander, I am a customer of theirs in a round about way now that I been approved a loan by Cahoot. It is food for thought and I might just consider looking at changing banks and becoming a bona fide customer of Santander.

Review posted by Sarah Butterworth

No more sleepless nights worrying about how I was going to pay the cost of my daughter's wedding reception thanks to my loan from Cahoot.When I divorced her mother a couple of years ago I went from being a fairly well off self employed builder to a barely able to make ends meet odd job man after I had a bit of a nervous breakdown and nearly lost my business because of it.I have recovered from the breakdown now, largely due to the help and support of my daughter and her future husband and now that my business is picking up and I have secured a few lucrative building jobs I have been able to get a personal loan from Cahoot to help give my daughter the wedding she deserves.

Review posted by Geoff Clarkson

My parents are from India and they came over to the UK with my maternal grandparents just after they got married. They have worked very hard to make a success of their family business but money is still very tight but my mother always says we have enough to keep the wolves from the door.I wanted to treat my parents to a very special 25th wedding anniversary and to do that I wanted to be able to pay for them to visit my fathers family in India, most of whom he hadn't seen in over 25 years.Unfortunately, my bank was not willing to lend me the money because I didn't fit their criteria but after a bit of research online I found a loan company whose criteria I did fit and that company is Cahoot, the online division of Santander bank. I am now in a financial position to go ahead and book my parent's flights to India and before I do that I just wanted to thank Cahoot for making this possible.

Review posted by Rani Shah

I never thought I would find myself in a position where I had to take out a personal loan to pay for something like this, but the fact of the matter is my daughters cat means the absolute world to her and when the cat did what a lot of silly cats do and ran out into the road and got hit by a car I thought the worse thing we would be doing was burying it at the bottom of the garden.But it wasn't the case because the cat obviously hadn't used up all of it's 9 lives and was hanging on by a thread having suffered serious injuries to its hind legs. Our local vet was certain he could repair the broken hind legs well enough to give the cat a good quality of life and when I got over the shock of how much it was going to cost I gave him the go ahead and then quickly set about getting a loan to pay for it.I enlisted the help of my daughter to do the online search for a suitable loan, after all it was her cat, and it wasn't long before we had decided on Cahoot and the daughter set about doing the application for me.The cat is now making a good recovery and I have a loan debt with Cahoot for more money than I care to think about but my daughter is smiling again and that makes it all worthwhile.

Review posted by Ray Sully

I took out a loan with Cahoot to help me pay for my parents and my widowed aunt to fly over from Dublin for my forthcoming wedding.My parents don't visit very often but when they do it is usually by boat on one of the regular ferry crossings from Dublin and it means they can bring their car which is usually loaded up with everything bar the kitchen sink. However my dad's eyesight isn't what it used to be and my mum was worried about him driving in a busy city like London.So I agreed that if I could get a loan I would pay for them and my aunt to fly over and I would book them into a nice hotel near the venue for the wedding.I am so glad I got a loan with Cahoot because flying my parents over instead of them coming by car meant I wasn't going to be landed with something big and ornate for a wedding present. For once I am actually grateful for the airline luggage restrictions.

Review posted by Nancy Doyle

My ideal loan would be to borrow the amount of money I need with easily affordable repayments over the length of time I want, with an interest rate that doesn't make me break out into a cold sweat every time I think about it. The ease of making the repayments by direct debit so as not to incur late payment fees would be a bonus. But the cherry on the top would be that I had just won the lotto and didn't need to take out the loan in the first place.But hey, getting 5 out of my 6 wishes isn't too bad when you think about it realistically. And that is why I would like to thank Cahoot for approving my personal loan with the minimum of fuss and bother and just making my life a little bit easier.

Review posted by Collette Smith

Not one but 3 of my close friends have taken out personal loans with Cahoot recently and I didn't realise that until after I had applied for my own personal loan with Cahoot a few days ago.When we talked about it later we all seemed to have different reasons why we chose Cahoot over other loan companies and banks but at the end of the day we all seemed pretty satisfied with the service we got and I suppose on average that is a good endorsement for Cahoot.I'm not planning on taking out any more personal loans when this one is paid off next year but if I do I will certainly speak to my friends first to see what they have to say on the subject.

Review posted by Christopher Banks

Apart from my mortgage and my wedding next year, the loan I have just taken out to pay for my girlfriend's engagement ring is the most money I will ever spend on a single item. Even my new car didn't cost as much and if it hadn't been for the loan I got with Cahoot I may well have had to sell my car to pay for the ring.Fortunately that wasn't the case and the loan with Cahoot was far easier and less stressful than choosing the right ring and getting down on one knee in the middle of a restaurant to pop the question. Both the ring and the proposal went down well with the girlfriend who gives me a dig in the ribs every time I make the mistake of forgetting to introduce her to people as my fiancee.

Review posted by Aaron Dwyer

When my wife lost both her wedding and engagement rings on a beach nearly 10 years ago just after we got married I promised to replace them as soon as I could afford to. Unfortunately at the time we were still young and naive and hadn't taken out suitable insurance to cover the loss.Well we are coming up to our 10th wedding anniversary and I am ashamed to say I never got around to replacing the rings and my wife who is not in the least bit materialistic was happy to wear her late mother's very simple gold wedding ring. Being a good catholic girl she didn't want people thinking she wasn't married when she was out and about with the children.The fact we have three children means money is always scarce but I was determined to get my wife a lovely engagement ring to compliment her mother's wedding ring and so I took a loan out with Cahoot recently and have just been informed that the money is in my bank account. So before I get down to our local jewellers and blow the lot I just wanted to thank Cahoot for helping me make this long overdue promise possible.

Review posted by Kenny Byrne

With my track record of bad credit history when I was younger and not as responsible as I am now, I am always grateful when I am not immediately turned down for a loan.So when I am looking for a loan the interest rate being charged is an important factor for me as it should be for anyone taking out a loan. But the most important thing is that I end up with a loan that gives a repayment schedule that is easy for me to afford. At the end of the day there is no point in me blagging myself a loan that I am not going to be able to make the repayments on. That's how I got myself into all that trouble a few years back.As the repayments on my loan with Cahoot are taken by means of a direct debit I always make sure there is sufficient funds to allow that to go through first before I spend another single penny of my wages. Experience has taught me that it just isn't worth the stress that is caused when you get behind with the repayments on any loan. Also Cahoot were careful to make sure I didn't overstretch myself with the amount I was borrowing and I just wish previous loan companies had been as responsible as Cahoot appear to be.

Review posted by David B.

My brother and I were going 50/50 on a 60th birthday present for our mum and as mum had her heart set on a rather nice designer handbag we knew it wasn't going to be cheap.We both have fairly well paid jobs but of the two of us I am the one who spends my money almost as soon as it reaches my bank account and so I knew I wouldn't have the spare cash to pay my half.The girls at work told me to get a loan and I freaked out at the thought of a payday loan with its ridiculously high interest rates but after going online to one of the loan comparison websites I realised there were far better options than the payday loans.That's how I ended up with my personal loan from Cahoot, who incidentally is the online division of Santander, the bank my brother happens to be with. But I shan't be letting on to him how I managed to get my share of the money in time for mum's birthday. I'll let him think I have turned over a new leaf with regard to my reckless spending.

Review posted by Fiona

I don't really understand why the online division of Santander bank isn't just called Santander but as I have just been approved a personal loan with Cahoot I am not going to argue the point.I am just glad that I managed to secure a loan with a reputable bank instead of having to resort to one of the more questionable loan companies that are out there.I have agreed to the terms and conditions of this loan because they are actually very competitive and I am happy that the repayments aren't going to be a problem for me and so I won't be nervous every time the direct debit payment is due.It's reassuring to know that if you are careful and do your research before making any hasty decisions, you can actually find the whole process rather satisfying.

Review posted by Amy P.

Now that I have moved in with my girlfriend I have had to change my priorities a bit with regards to how and what I spend my salary on. But I quite like all the domestic side of things and look forward to getting home from work and chilling out in front of the TV while my girlfriend cooks dinner. I hasten to add that I have to do all the washing up afterwards so it isn't one sided chauvinism.We desperately needed some new furniture, in particular a sofa and I said I would take out a personal loan provided she let me buy the biggest flat screen TV we could fit in our flat.She said ok and so I was on a mission to get the most competitive loan in the quickest time so that we could purchase the sofa and the TV in time for the Rugby World Cup.I am posting this review to say a big thank you to Cahoot for coming up with the loan in plenty of time for me to see England crash and burn in the qualifying stages. But I'm not bitter because we have a comfy sofa and a flat screen TV that is the envy of all my mates.

Review posted by Clayton R.

I am planning to propose to my girlfriend at Christmas and even though I have a bit of spare cash I am never going to be able to make that sort of purchase without the help of a loan.So for the last couple of days I have been doing my research online looking for the best loan to suit my particular situation. It isn't just about getting the lowest interest rate, it is just as important that I get a loan with repayments that aren't going to cripple me financially every month.So having just had my personal loan with Cahoot approved I thought I would post a review to say thanks and maybe ask everyone who reads it to wish me luck with the proposal.

Review posted by Rory Mason

My girlfriend is the sweetest person I have ever met and when she had a small win on the lotto recently and used it to buy me a watch that I could only dream about owning I decided that I would do something equally nice for her.Obviously the odds of me having lotto win too were pretty remote so I went for the more likely option of getting a personal loan to buy her a leather jacket by a very famous designer who shall remain nameless, suffice to say her husband is kind of a big deal in the football world.Cahoot were the ones to make my mission not so impossible by approving a really competitive loan for me. So with my sister's help I am doing a bit of secret shopping while my girlfriend is at work next week and just hope the jacket she wants is in the sale.

Review posted by Jimmy Mac

I have made a mental note to myself to stop saying "did you know Cahoot is the online division of Santander" every time I see a friend. But seriously, I had absolutely no idea they were until I went looking for a personal loan recently.Whatever you wish to call them, my loan is an even better one than the one my own bank were begrudgingly offering me and I am so glad I took a bit of time considering it before going with Cahoot.I am not particularly disgruntled with my own bank but now that I know about the Cahoot/Santander connection I might think about changing my bank in the near future.

Review posted by Jacqui L.

I am really nervous about going on my first ski trip since leaving school over a decade ago. Back then I was far more relaxed and had to be told off several times by our instructor for going off piste. Now I am far more responsible and have a tendency to take the belt and braces to approach to anything remotely risky to my health. My boyfriend on the other hand is completely the opposite and it is only because of him that I am even going on this trip.Not only have a taken out a very competitive loan with Cahoot to pay for the privilege of being scared witless on the slopes I also put my belt and braces tendency to good use and took out an all expenses covered health insurance policy for me and my boyfriend just in case the unthinkable happens and my belt and braces fail me.

Review posted by Amanda T.

I wouldn't say my wife is one for keeping up with the Jones's but when it comes to her sister then we are talking about a whole different ball game. To be fair to my wife, her sister is just as bad and they both take sibling rivalry to a whole new level.The loan I have just taken out with Cahoot is so that we can go on a bigger, better cruise ship holiday than her sister did last year. Of course what my wife's sister doesn't know is that her husband recommended Cahoot to me because that's how they managed to afford their cruise last year and I have told the wife to keep it to herself or else we'll be responsible for one very messy divorce if her sister finds out.

Review posted by Philip Vaughan

Never having used the internet to apply for a loan before I was a little bit apprehensive but my wife said if we were to get the best possible loan available we had to check out all the major banks and loan companies first. The loan comparison website turned out to be a very easy to use tool when it came to this.So once we had narrowed our search down to 3 or 4 possible options we eventually chose Cahoot for a number of reasons. The most important one being that they were willing to lend us the money we needed even though I am retired and my wife only works part time. For most of the other loan companies that fact came up as a red flag and they weren't happy to give us the loan without hiking up the interest rate.So we just want to thank Cahoot for not discriminating against us and we are delighted to be able to say we got our very competitive loan from Cahoot and will be recommending them to our friends.

Review posted by Paul C.

I was looking for a no strings attached, no hidden costs, fixed rate unsecured loan and after reading and investigating I decided to apply for a loan with CAHOOT, a company I'd actually never heard of. I did however know that they were a part of Santander and everybody knows them.I applied online. They did their credit check and my loan of £10000 was approved and after the loan agreement was signed and all questions asked and answered the money was in my account to be repaid over a 5 year priod CAHOOT I will certainly recommend and if the need arises will use them again.

Review posted by Russell Caldwell

A short while ago the family wanted so badly to take a holiday together that it was left for the parents to make their wish come true. They all said it would probably be the last one we would take as a family. Our daughter was 17 and our son 15. We agreed with them and they chose the holiday destination and it was now up to us to make sure we could get the money together.We had some savings but decided not to touch it and rather applied for a personal loan from Santander. We were existing clients of Santander so went in to our local branch where we were assisted so professionally. We asked for £5000 and the loan was approved almost immediately. The bank knew our credit hisory and as soon as we'd signed the loan agreement we had the money in our account. We elected to pay back over 60 months which was great and believe me it was a holiday to remember. All this thanks to SANTANDER BANK:

Review posted by Maurice Winters

With Summer gone and Winter on the way it was time to do some much needed work on the house's interior. This was work that we'd put off for a very long time. I did some homework and shopping around and felt that £6000 would do the job so I approached CAHOOT online and requested a personal loan for that amount. I knew Cahoot was a part of Santander and therefore felt comfortable. I just had to furnish certain details regarding my job and of course my financial status. Once this was done the loan was approved and the funds were transferred to my account,I was really impressed with their efficiency and repaying over 36 months was also perfect for us.I'd recommend Cahoot to anybody needing quick cash.

Review posted by jeremiah Watson

I needed a loan a short while ago and as I had already taken out a few pay day loans in the past I needed a bigger amount this time. I did quite a lot of searching on Readies' site and took a big interest in a company called Cahoot not only because they were linked to Santander, but also because their interest rates and their flexibility got my attention.The next thing I did was apply online for an unsecured personal loan of £6000. Cahoot then carried out their credit checks and the loan was approved. These checks are really just to confirm whether you are creditworthy or not and that is understandable. Thankfully I was and the next step was simply signing the loan agreement and the money was then transferred to my account. I was happy to pay back the debt in 36 equal monthly instalments, knowing that these instalments will not change during the entire payback period.CAHOOT are to be highly recommended.

Review posted by Jerome Wilkinson

Knowing what it's like continuously having your car in the workshop was the reason for me applying for a personal loan with CAHOOT. I liked the fact that it was an unsecured loan which meant that there was no need to use my apartment as collateral and the loan was also a fixed one. It was also a pleasure to compare their interest rates to the rates offered to me by the dealership.I applied online for £7000 which was the price of a pretty decent second hand vehicle that I'd found. In no time at all the loan was approved after their usual credit checks and before long the money was in my account with me agreeing to the repayment structure over a 36 month period which was perfectly affordable for me.I'm really glad I found out about CAHOOT.

Review posted by Michael Burton

I needed some urgent work done on my car and had to settle a debt to my brother that had been outstanding for too long so I applied online for a personal loan from a company that a friend at work recommended. They are called CAHOOT and are linked to Santander and their rates are really good and they are super helpful too. I asked for £5000 and obviously they check you out first but it was all so quick and the loan was approved and the next day after signing the loan agreement the money was in my account. The repayment was structured over 3 years by way of a debit order, which ensured that I would not forget. CAHOOT are great.

Review posted by Bryce McFarland

As I already have a savings account with Cahoot and have been very happy with the interest rate I receive, I decided to apply for a personal loan to finance a purchase I wished to make.I phoned the call center before making the online application and had my questions answered satisfactorily and therefore went ahead and completed the application process. The call center was very helpful and I appreciated their input and advice. Having been successful in my application I am glad that my payments are the same every month which helps with the budget. I am glad that I decided to use Cahoot for my financial needs.

Review posted by Alison Cache

I wanted to share my experience having applied for a personal loan with Cahoot. I have been with them as my Savings Bank for some time now and decided to make an application for a personal loan. I had not done this before and was a bit nervous about it.I phone them first and asked several questions. They put my mind at ease and I decided to proceed with the loan application. I found them to be very helpful. l liked the fact that my repayments would be the same amount each month so that I could budget. The whole process did not take too long and I had the use of the funds pretty quickly.

Review posted by Jeff M.

My mates were starting to plan our annual ski trip and I had about a week to come up with my share of the money for flights, chalet rental and the all important ski passes and ski gear hire cost.I had actually decided that I was going to give the ski trip a miss this year because I had just started dating again and my new girlfriend wasn't keen on me going off with my mates for a week. However, much as I liked being with her I thought she was being far too demanding and clingy so soon into our relationship and perhaps the break from her would be good for us both or as my mates put it, start off as you mean to go on.So I spent ages online looking for a suitable personal loan to help me afford the trip and Cahoot came to my rescue as they have done in the past (note to self, go to Cahoot first in future). They approved a loan with a very reasonable APR and the money was in my account just in time for my ski trip to be booked and paid for before my girlfriend started looking for bunnies to boil!

Review posted by Theo A.

My parents had given me some money to buy myself a new bed and some other furniture for my new flat and I couldn't let them know that I had spent the money on a holiday to Ibiza and was still sleeping on an old mattress on my bedroom floor and the living room settee was actually an old studio couch that had been left by the previous tenants.As I live in Islington and my parents live in Italy I didn't think it would be too much of a problem to keep it from them until they announced that they were coming to England for my cousins wedding and could they come and stay with me.Thank goodness we were talking on the phone and not face to face on Skype because my stunned look would have given the game away. So after finishing the call to my parents and having a few moments of panic I got my laptop out and started looking for a personal loan to be able to buy a new bed and sofa before my parents arrived and discovered what a very naughty girl I had been.I was so desperate to get a loan that I really wasn't that bothered about the all important APR but to be honest the loan I have just got from Cahoot is very competitive and I don't think I could have found a better one if I had all the time in the world to browse the internet.My next job is to buy a bed and a sofa that can be delivered asap because I really don't have all the time in the world for that either.

Review posted by Benita C

Getting a personal loan from Cahoot has literally saved my bacon as the saying goes. I had planned a very special party for my husbands 40th birthday and thought I had everything covered and paid for until I overheard my husband say how much he enjoyed the hog roast we had sampled on our recent holiday to Portugal and wouldn't it be nice if we could have something like that for his "Oh I don't want you to go to any trouble or make too fuss" birthday party. If only!I managed to find a company that did hog roasts but it wasn't cheap because they actually use little suckling pigs and for the amount of guests we would need at least two. I had used up all my funds so it had to be a loan or else the hog roast wasn't going to happen. I gave the hog roast company the go ahead and promised I would pay them on the day of the party which gave me just under a fortnight to get a loan.Thank goodness for Cahoot who approved my loan immediately and got the money to me in time to pay for the hog roast and a very nice ice sculpture which was another little last minute idea of my husband's!

Review posted by Hilary T.

I went to film school and after graduation I had a project stuck in my mind that I knew I had to attempt.I tried crowdfunding for the documentary because I needed money for equipment, crew, travel, insurance and so on. Made about £700 which was definitely not going to even touch what I needed.I had to find another way to get the money so I began looking at personal loans from Cahoot (I guess it is Santander, same difference). The fixed rate they said wouldn't ever change and it seemed like a good arrangement to complete my project.I'll be making payments for a while but we've nearly completed the film and I could not be happier about that... made one of my dreams possible, so yeah, I'd recommend.

Review posted by Taryn Haresign

I'm 21 and I was sure I would get turned down for this type of thing but I needed some emergency dental work while travelling over the summer and stupidly didn't have any type of insurance at the time. Left with a hefty bill, I started getting a ton of calls about it. My family had just given me a lot of money for the trip so I decided I could pay now and work my butt off to re-pay once the university pub opened. Not even five minutes on Cahoot and I was approved for the minimum amount but it was enough to cover my bill and I would make the re-payment picking up 2 extra shifts per week. Phew... saved me, but next time I'll have travel insurance for sure.

Review posted by B. McGowan

My style is quick, simple, painless, online. Heard about Cahoot in a business forum, and read an article about them, had heard Santander was running it into the ground but that's not at all my personal experience. The website is really functional, user-friendly, and as quick as they say it is. I had no need to call customer service, everything was seamless and I was approved (within half an hour), cash deposited, and then cash withdrawn each month. Nothing complicated. I wouldn't recommend using them if you have no means to pay it back, as the interest will definitely add up but otherwise if you're a fan of doing everything online quickly I'd tell you to use them.

Review posted by Jer Callaghan

I don't know if I am one of many or one a few people that didn't realise Cahoot were the online division of Santander Bank. But it doesn't really matter to me now because I have just been approved a personal loan with Cahoot and if it hadn't been for the loan comparison website I might still be none the wiser.So my advice is definitelty take advantage of these websites before choosing your lender and you may well end up with a far better loan than you would if you had just gone into one of the high street banks.I know for sure that my loan with Cahoot is much more competitive than what my own bank were quoting and being able to double check everything before committing to loan made my decision much easier.Online lending is the future and because of that I have a Cahoot loan that might not have happened had I gone down the traditional route when looking for my loan.

Review posted by Matthew G.

I can't remember the last time I actually went into my bank or any bank for that matter. My generation use the internet for so much that we are in danger of forgetting what our feet are for.But on a serious note, the internet has been a great help to me when I was looking for my first ever personal loan. Because I didn't know what was out there in terms of competitive APRs until I looked on the comparison websites I could easily have made a bad choice when choosing a lender and would have to live with the consequences of it.But I didn't make a bad choice and Cahoot have proved to be the right lender for me and I am happy to post this review to state that.

Review posted by Jaime C.

My boyfriend banks with Santander and it was his suggestion that I go to their online division Cahoot for my personal loan.I was quite happy to use a online lender because I'm not very confident when dealing with banks and being able to do the loan application online with my boyfriend's help was so much better for me and I didn't get in a flap at all.I have just had my loan approved by Cahoot by way of a phone call from Santander but I didn't get all silly and start jumping for joy until after I put the phone down.

Review posted by Tania D.

Good rate, fully flexible, high limit. Cahoot On line offers a fully flexible loan with a highly competitive intereset rate. Pay what you like, when you like. Borrow it back later. Online statements and payments make keeping track of it a doddle. Only downside is that once you have taken out the account your rate will not fall if base rates do - but can go up if they rise. I still recommend, I got reefused by other companies that I prefer not to refer in this review, most would take more than 5 minutes to pick up the phone and were extremly rude, at leastt this company was helpful!

Review posted by Justin Edwards

I do have trouble with banks, i have closed accounts in the past due to incompetence of bank staff and bad interest rates. I think i have had my Cahoot account for over 8 years and have always found them efficient and polite to me - as you would hope a bank would be (before reality sets in and you find yourself waiting for a paying in book for 6 months).I find the online banking system easy to use and am able to make payments directly from it to pay off my mortgage when i want to. The interest rate is higher than usual for these sort of accounts but i am a pre-Santander customer so that might be why.I would always advise shopping about for better interest rates but if good service is important to you as it is to me you might want to consider Cahoot

Review posted by Sachin Engineer

Due to one lousy ex boyfriend and one equally annoying landlord I decided to move out of London and go back to the suburbs where I grew up.My landlord was refusing to give me back the deposit on the flat claiming I had broken several items in the kitchen and bathroom which very conveniently for him amounted to exactly the same amount as my deposit.So I needed to get a loan so that I could get myself another flat and a small second hand car which would be a necessity now that I didn't have the benefit of London Transport hop on hop off buses and the good old underground train network.Cahoot was one of the loan companies I short listed on the loan comparison website and after considering all the important factors I went with them because they were offering one of the lowest APRs and the monthly repayments were very affordable for me.All in all, I am very satisfied with the service I received from Cahoot which is more than can be said for the ex boyfriend and the very unscrupulous landlord.

Review posted by Meg Seaton

Just when I thought things were going really well for me and my finances were looking very healthy, my parents announced they were selling up and moving to the south coast. Up until then I had been very happy living at home with them because I had my own annexe to their house and could come and go as I pleased. It was like having my own bachelor pad but with my mum still cooking and doing my laundry for me and no rent to pay.When I reacted to this news by saying they were abandoning me, my dad told me not to be so negative and to just get myself a flat of my own and start paying rent like most other people. Having lived at home all this time rent free I suppose he had a point.So this is why I have just applied for and been approved a personal loan from Cahoot. I am borrowing enough money at a very competitive APR and easily affordable repayments so that I can rent myself a nice flat and have it furnished and ready to move into before mum and dad disappear to the south coast.Now that the loan with Cahoot is sorted I just need to get around the problem of the cooking and the laundry.

Review posted by Dane H.

I wanted to post a review to let people know what a great bunch of people the Cahoot and/or Santander Customer service team are. I tried doing my application on the computer but kept experiencing problems and finally had to give up and speak to someone on the phone.I thought they would be quite dismissive but they were only too happy to go through the whole application process with me step by step making sure I understood everything.By the end of our conversation I was in no doubt that I had made the right decision to go with Cahoot for my personal loan and it's not just because I got a very favourable interest rate on my loan, but because it was nice to be treated with respect and patience by the young people I dealt with on the phone .I have asked my niece to type this review for me because I'm not so good with typing these days which is why I had such problems trying to do the loan application on the computer.

Review posted by Lew Jenner

I had just moved out of home into my own unfurnished apartment. I could have accepted it furnished but I hated the furniture that was provided. Needless to say I needed to completely redecorate the apartment. I had a few things of my own and my parents also helped a bit but I needed a loan to do the rest. As this was going to be longterm I approached CAHOOT for a loan of £7000 and asked that I repay over a 48 month period so as not to hurt my pocket at all. I had a pretty good job with promotions and salary increments due if all went to plan. So the option existed that I could pay it off sooner. I also liked the fact that the instalments were paid via standing debit order with a fixed rate. The loan was approved very quickly and before long I had access to the money which was critical as I had to sleep on something, if you know what I mean. My sincerest thanks to CAHOOT for their incredible customer service.

Review posted by Paul Jenkins

My new girlfriend and I decided to go on holiday together for the first time. I thought this was a great idea and a time for me to impress her and bring us even closer together. The problem was that I'd just invested most of my savings buying another car. What I needed then was a personal loan so that we could really enjoy ourselves and not have to count the pennies.I approached CAHOOT online and they were great. Knowing they were a part of the Santander group made me feel even better. I asked for £3000 and the loan was approved without any problems and soon after the money was available with me having to repay over 2 years or less if I wanted. This suited me fine and I thank CAHOOT for making this holiday so special for us.

Review posted by Ambrose Parker

I have been researching banks and loan institutions for a competitive interest rate as I wanted to take out a personal loan. I heard about Readies comparative website and decided to take a look at it. There was a mind of information on their and I was able to choose Cahoot for my loan application. Cahoot appeared to offer good interest rates and I felt confident that they were a viable outfit as they were associated with Santander.I called the Cahoot call center to ask a few questions before completing the on line application, I wanted to be sure I was giving the appropriate information. I filled out the application which was quite simple. I qualified for the loan I wanted and liked the fact that repayments would be made by direct debit, I would not have to worry about making the payments on time. I was very happy with the terms I received and would use them again.

Review posted by Carol Langley

I applied for a personal loan with Cahoot as their interest rates seemed very competitive. I needed to finance a trip to see my daughter in Australia and did not want to drain my savings. I did not know how difficult this would be and was pleasantly surprised to discover that their process was simple and they treated me with professionalism. I had spoken to their call center to find out some additional information and then I went on line to complete the application.The application was easy and when their quote came back I was happy with the repayment plan and interest rate. I accepted their terms and within days I received the funds so I could book my travel.

Review posted by Barbara Case

I think these loan comparison websites are a great thing. I wouldn't have known that Hitachi did loans if I had seen them on the Readies website. My friends didn't believe me and said I must have got it wrong but they had to eat their words when I showed them the great loan deal I got from Hitachi.I'm glad I didn't bother with my own bank in the end because apart from their interest rate being way over the top, they weren't very co-operative when I first made enquiries about borrowing some money. Hitachi seem to be keen to lend money at a competitive rate and that's all you can really ask of a loan company.

Review posted by Denis Sullivan

It took me a while to get there but I have finally managed to get the most competitive loan with monthly repayments that are affordable for me. It really did seem like swings and roundabouts with every lender I looked at. If they were quoting a great APR then it usually meant the repayments were too much for me. Or on the other hand affordable repayments but at a much higher rate.I know no loan by its very nature is an ideal thing to have to get, but getting one that's competitive and affordable is the thing to aim for and I think I have just got that with Cahoot.

Review posted by Debbie

My wife and I have just moved into our new home and she hates everything about it. I don't know why she waited until we had bought the house to tell me this but now I have to deal with the tears and tantrums every time she goes into the kitchen or the bathroom and even the living room.It turns out that really she doesn't hate the house but everything inside it and that is a relief because with the loan I have just got from Cahoot I will be able to give her the new kitchen and bathroom she wants. But I am still not sure what it is she hates about the living room so that will have to wait for now.

Review posted by Stavros Demetri

I'd heard about CAHOOT and that they were connected to Santander so when I applied for a personal loan with them I felt at ease and knew that the service and integrity would be of the highest order.Also the ease and lack of red tape impressed me. A simple online application for £5000 was approved almost immediately. I obviously had to be checked for creditworthiness and once that was done it was then a simple matter of signing the loan agreement which also showed the repayment structure which was equal monthly payments over 2 years at a fixed rate which suited me down to the ground.The money was in my account the next day. WELL DONE CAHOOT.

Review posted by Harvey Goodwin

I was in love and wanted to marry my girlfriend. We'd been together and inseperable for the last 3 years and I wanted to pop the question with an engagement ring. We were both in our thirties and our felt the time was right. I found the most beautiful ring which also came with a beautiful pricetag. The jeweller offered me a line of credit but I knew I could get a better deal elsewhere and that's when I applied online with CAHOOT and asked for a personal loan of £5000 which I'd repay over two years. I filled in all the details as well as all the credit type questions and the loan was approved straight away. Soon thereafter I had the money and what pleased me a lot was that it was a fixed loan and the instalments have been debit ordered.Just to let you know my girlfriend said ''YES'' and I'm sure seeing the size of the rock helped. I have lots to thank CAHOOT for.

Review posted by Roger Foreman

I had just moved out of home and into an apartment. It's not that I was unhappy at home although at 26 years of age one should start spreading one's wings. The main reason for me leaving home was the new job and the amount of travel to and from work. I would save almost 4 hours per day by moving into the new apartment. All that it required was a bit of refurbishing to make it more homely and for that I approached CAHOOT which is linked to SANTANDER and requested a personal loan of £4000 to be repaid over 2 years. The loan was approved very quickly indeed. My credit score must have been high although I do earn an above average income. After signing the loan agreement and filling in the bank details for the debit order the money was in my account.I was really impressed with CAHOOT and will certainly use them again if the need arises.

Review posted by Albert Furlong

Now that I know Cahoot is the online division of Santander I am even happier that I chose to go with them for my personal loan. I hadn't read all the website profile first and had just been focusing on the APR of 4.2% when I applied for a quote.Now with hindsight I would still have gone with Cahoot for the loan because they are offering the same competitive deal as Santander and you don't have to be a current customer of theirs to take advantage of their great loans.I am sure that if I were banking with Santander I might be eligible for even better rates so that is something for me to think about in the future but in the meantime I am just delighted with this Cahoot loan and wanted to let them know that.

Review posted by Warren

Thanks to this loan from Cahoot I have got my ski trip and Christmas sorted in one go. I like to go ski ing every year with my friends and we tend to go on Boxing Day to avoid all the left over turkey and boring relatives that we only see once a year.My loan means I can buy all the family a decent present to keep them from moaning about my departure to the slopes instead of staying home and playing the latest board games with them. And so I can escape to a chilled out ski chalet with my mates for a bit of fun and there wont be any 'cold turkey' until the new year when me and my mates all go on a detox diet.Thanks Cahoot and a very merry Christmas!

Review posted by Chas C.

I really recommend Cahoot, they really helped me and my friends and family. I was actually informed by one of my clients. My restaurant needed a big refurbishment as it was kinf of falling to pieces. I actually admit I have an O.C.D. But even cleaning my restaurant from top to bottom and trying to D.I.Y yourself, there comes to a point that there's not much you can do and you need professionals. With my Cahoot loan I managed to get professionals in to sort out all the damages done and to fix whatever needed to be fixed. Cahoot were absoloutely amazing and I would use them any other time!

Review posted by Amy Henessy

I was a little skeptical at first because of the low rates and the easy/online application process... I thought for sure there would be hidden costs and that it was too good to be true. So I researched online and read all these other great reviews and decided to go for it. I applied, got an awesome rate, verified my info online and over the phone, and saw the funds deposited this morning! I read through the terms/condition (i.e the promissory note, loan agreement, etc) with a fine tooth comb and am very pleased with how Upstart does business. Happy to be working with them and would definitely recommend to others.

Review posted by Isabel Frinch

It's really as simple and safe as it seems. I was skeptical, but I talked with real humans, multiple times, and had my questions answered in plain ole English, not extreme banker terms. I was grateful for their patience and overall quality of service, and the speed to boot. Bye bye credit card debt. I feel relieved for the first time in nearly a decade. Quick turnaround, no ridiculous hoops to jump through. Quick funding. Interest rate is a little high but that's due to my debt level and still lower then the credit cards I consolidated. I personally like that it has to be paid off in 3 years instead of letting myself draw it out longer and accumulating more debt in the process.

Review posted by Jaqueline Thorston

Initially when I was shopping around for a company to apply for a person loan through, I was getting turned down left and right. I am a recent college grad who at the time had some credit card debt that was gained through out my college semesters for things like books, gorceries, gas etc. I applied to Cahoot and the next day was contacted by a customer service rep who navigated me through the process and answered all questions I had in a timely manner. A day later I found out that I had been aproved (Friday), because it was late in the week I had to wait until Monday to have access to my funds...which to me is still extremely quick! I have now been able to pay my credit cards off and feel as though a tremendous weight has been lifted off of my shoulders. The monly payments for the repayment of the loan are very reasonable...I'm definitely in a much better position then I was two months ago. I strongly recoomend Cahoot to anyone, but if you are a young person - paricularly right out of college and need a jumpstart, get one through Cahoot!

Review posted by Eva Darnell

I'm glad I went with Cahoot -- the application process was simple, mostly online and a phone call with a representative. I was able to convert three credit card balances into a loan that I know will be paid off in 36 months or less, much more of a reasonable window than what I was facing with the card balances and high interest rates there. I read numerous reviews and the fine print before choosing to go with a particular lender, and I'm glad I made the choice to go with this company. The website was very straight forward in how the loan works and what cridentials were needed to apply. The customer service was great. I like that I can also create an online account to view the details and status of my loan balance.

Review posted by Brenda P.

To celebrate our 20th wedding anniversary my wife and I decided to go on a special holiday taking in some of the most historic and romantic cities in Europe A mediterranean cruise which includes Venice would do just that. We wanted this one to be special and not watch the pennies so we approached a company called CAHOOT on my brother's advice and requested a personal loan of £6000 to be repaid over two years. The loan was approved with hardly any red tape, just the normal credit checks.The good thing about Cahoot's personal loan is that it is unsecured and fixed and you can repay via debit order so you never forget.If the need arrises I will certainly use CAHOOT again.

Review posted by Stephen Lambert

I knew it was coming but never gave it much thought. My only daughter is 26 years old and only left home about a year ago and I knew that marriage was shortly going to be a topic of discussion. And so it proved. Although she wanted to pay for everything I knew that she didn't have enough money for the wedding she wanted and I don't think her husband did either. So being the old fashioned type I took out a personal loan with CAHOOT for €5000 to repay over 2 years. Obviously they needed assurance that I wouldn't default on the instalments so my creditworthiness was checked and before long I had the money. Needless to say our daughter was overjoyed and all thanks to CAHOOT.

Review posted by Bernard Conway

Having ties to Santander made me feel a lot better when I applied for a personal loan with CAHOOT. The two things that impressed me the most were firstly any personal loan is unsecured and secondly it's a fixed rate loan so your instalments are constant for the duration of the loan. My application was done online and my loan request for £6000 was approved with a 36 month pay back period. Obviously they had to do their affordability credit checks and once this was done the loan agreement was signed and I had the money. CAHOOT were really efficient and are to be recommended.

Review posted by Michael Stanton

Buying a car used to be quite an ordeal and now it's a simple matter as I experienced a short while ago. I found the perfect car and the dealership were quick to offer a line of credit but I'd decided on CAHOOT some days back after hearing about and reading about them. So I went online and asked for a personal loan of £8000 and asked them to structure the repayments over 3 years which suited my pocket. The loan was approved and after signing the loan agreement and the debit order the money was transferred to my account. I'm now driving my new car all thanks to CAHOOT:

Review posted by Craig Findlay

It was time for a change. I have about 200 square meters of walled in lawned area at home and most of our summer leisure time is spent out there with the dogs and having a BBQ with friends. The idea was to reduce the lawned area by half, take up the lawn and tile it as well as build a new concrete and brick BBQ area.I filled in the personal loan application and requested £6000 to be repaid over 3 years at a fixed rate. The credit check was done and the loan approved. All that remained was to sign the loan agreement and the money was made available.All my thanks to CAHOOT.

Review posted by Donovan Malone

When things go wrong they go wrong. I'd just got back from holiday. I'd spent two weeks in Miami, had a great time and so did my girlfriend and spent an awful amount of money whjch was to be expected. Unfortunately the day we return my car completely packs up and the workshop tells me that the cost to repair is just not worth it. He suggested we scrap it and buy another.I was forced to approach a loan company and chose CAHOOT and filled in an online application asking for £10000 to be repaid over 4 years. They carried out their credit checks and were really helpful. The loan was approved and they accepted my repayment request at a fixed rate too. Before long the money was in my account, soon after I'd signed the loan agreement and the standing debit order. I now have my almost new car and I'm thrilled. It was long overdue.My thanks to CAHOOT.

Review posted by Dwayne Newton

My wife and I have both been working so hard that we rarely see each other. She is a nursing sister and works very odd hours and I've been eating micro waved dinners for a while now. Thank goodness we both have some leave due and for the good of our marriage we decided on a 10 day luxury cruise so we can do a few things together.We had enough saved but decided against using it. We opted instead to take out a personal loan with Cahoot. Them being linked to Santander made us feel a bit easier. We filled in an online loan application and furnished them with all the details they needed and before long the loan of £6000 was approved. We knew we had a good credit rating and thus signed the loan agreement and the debit order deciding on a 3 year payback period with a fixed rate. The money was made available almost immediately and we've already booked our Mediterranean cruise.CAHOOT are to be highly commended.

Review posted by Lionel Campbell

I was seriously short for something personal that had to be done and normally I don't borrow money, but this time I felt I had no choice. I asked around and went online to try and find the best deal which to me at the time seemed to be CAHOOT. It was a lot easier than I thought. The application was filled in online and the loan of £5000 that I requested was approved really quickly.Obviously the bank had to run a credit check to ensure that I dd not default on the repayments. I know that I have a solid credit history so all that was left was for me to sign the loan agreement in which I opted to pay of the loan over 2 years via a direct debit. I really appreciated their promptness. It was very urgent for me and they realised this. Thank you CAHOOT.

Review posted by Daniel Braithwaite