Cahoot

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Company Information

  • Company Name :
    Cahoot
  • Website Address :
  • FCA IP :
  • Business address :
    2 Triton Square, Regent’s Place, London NW1 3AN
  • Phone number :
    None

Cahoot (Cahoot.com) is a UK financial provider and the official online division of Santander, a major European bank. Cahoot financial products can be accessed through Santander or directly with Cahoot on their website or through their call centre. Customers can take out savings accounts with Cahoot or access the range of flexible personal loans.

Cahoot’s personal loans are unsecured, which means you won’t have to place any collateral against the loan, like your home. The personal loans from Cahoot can be used for a variety of financial needs – once you’ve been approved for the loan, you can spend it any way you like.

Customers can borrow anywhere from £1,000 to £20,000 from Cahoot, with the interest rates varying depending on your personal financial circumstances and the amount you need to borrow. When you apply for a Cahoot personal loan, the bank will run a credit check to assess what kind of rate to offer you and whether or not you qualify for a loan. Qualifying customers who apply for a loan of between £7,500 and £25,000 could receive a very low 4.2% APR Representative from Cahoot.

The loan can be paid back over a term of one to five years, and all repayments must be made by direct debit. Once you’re offered a rate, it won’t change over the course of the loan, so you’ll know exactly what your fixed repayment amount will be each month.

To apply for a personal loan from Cahoot, customers must be permanent residents of the UK and at least 21 years of age. You can apply for a loan online and call the Cahoot call centre line to have any questions answered or receive help with your application. Customers can also make queries about Cahoot’s personal loans through their local Santander branch or Santander’s phone line.

293 Reviews of 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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

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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

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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

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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

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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

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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

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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.

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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.

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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

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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.

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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.

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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

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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

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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.

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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.

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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

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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.

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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

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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

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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

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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

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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

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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

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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

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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.

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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.

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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

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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.

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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

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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

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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

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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.

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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.

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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.

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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

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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

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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

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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.

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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

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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

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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

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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

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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

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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

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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

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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

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  • Value For Money

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

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  • Ease Of Use
  • Value For Money

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

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  • Value For Money

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

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  • Ease Of Use
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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

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  • Value For Money

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.

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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

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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

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  • Ease Of Use
  • Value For Money

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

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  • Value For Money

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

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  • Ease Of Use
  • Value For Money

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.

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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

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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

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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

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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

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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

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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

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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

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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

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A car caught my eye a short while back and although I have a car that is pretty decent, I just fell in love with this one. I went to the dealership and they offered me £8000 for my vehicle which meant the balance was £7000 that I would have to come up with. I was offered credit by the dealership but felt they were a bit dear so I gave them my word that I'd be back in a few days. I then went online looking for the best deal knowing that my credit rating was very high. I had a good job and very few expenses, hence me wanting a car upgrade. I decided on CAHOOT and applied online for a personal loan of £8000 to be repaid via a standing debit order over 36 months. They did a credit check very quickly and the loan was approved. I liked the idea that it was an unsecured and fixed rate loan. I signed the loan agreement and had the money very soon thereafter. I now also have my new car all thanks to CAHOOT.

Review posted by Gavin Findlayson

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Another one bites the dust. My best friend was getting married and all the close friends were off to Ibiza for the stag party. The only problem was that I didn't quite have enough at the time due to unbudgeted expenses. I'd taken out payday loans in the past and always paid them on time so I had no problem there. I'd heard about Cahoot and the fact that they were affiliated to Santander so I filled in an online application for a personal loan of £2000 to be paid off over 12 months. They ran a credit check and the loan was approved. I had to sign a standing debit order for the instalments and the loan agreement and the money was mine.CAHOOT were great and so was IBIZA.

Review posted by Edward McKenzie

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I didn't really need the money, although everybody needs the money but my daughter was getting married and I was funding the reception. I had no idea what it would cost so just to be on the safe side her mum and I decided to take out a personal loan with a company we'd heard about called CAHOOT.We went online and applied for a personal loan of £4000 to be repaid over 2 years. We especially liked the fact that the loan was unsecured so no risk at all to lose your car or your home should you default. So after their credit check the loan was approved and the money was soon made available. Another great thing is that the monthly instalments will be the same for the duration of the loan due to their fixed interest rate. CAHOOT are really helpful.

Review posted by Gareth White

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It was time for the family to get another car. We saw the one we wanted and our car was valued at a paltry £3000. Which meant we would have to pay the balance 0f £7000. We knew CAHOOT were linked in some way to Santander and also saw that their personal loan rates were pretty decent so we applied for a personal loan with CAHOOT asking for the £7000 to be paid off over 36 months. The bank ran their credit check and the loan was approved. We'd always kept our credit score high. The money was made available as soon as we'd signed the loan agreement and we especially liked the fact that the loan had a fixed rate which meant that the debit order I signed would deduct the same amount for the duration of the loan. We now have our new car and all thanks to CAHOOT.

Review posted by Daniel Hunter

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Our car had been threatening for some time and because the wife was using the car daily to go to work, it was very important to us that she had a reliable vehicle to use every day. Our vehicle had to go. We saw the car my wife fancied and decided to trade in the old one, accept whatever we could get and upgrade. This meant a line of credit and so we applied for a personal loan with a company called CAHOOT, following a friend's advice and online filled in an application for a personal loan of £10000, having accepted just £3000 for our car. The loan was approved very quickly and as soon as the credit checks were carried out the loan was approved and in no time at all the money was available.We chose to pay off the debt over 4 years using a debit order and especially liking the idea of a fixed rate for the loan's duration.We now have our car and appreciate CAHOOT'S help.

Review posted by Jonathan Vincent

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I had some renovations to do on our holiday apartment in the Algarve, Portugal. I thought this might be a bit tricky because the property was not in the UK, but the fact that I was going to ask for an unsecured loan gave me hope.I applied online with a company called CAHOOT and asked for a personal loan of £10000 to be repaid over 4 years. We did have some savings but we decided against using it. To be honest we'd bought the apartment more than 20 years ago and it really needed some attention.Cahoot were really helpful and approved our loan very quickly. Our credit rating had always been positive and before we knew it we just had to sign the loan agreement and the money was in our account. the loan also had fixed rate status which meant the monthly instalments would not change. Our thanks to CAHOOT!

Review posted by Gordon Argyle

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Cahoot is a good reliable loan company I think. At first I was weary of applying with them as I had never heard anyone mentioning them, neither did I see them advertise anywhere. Then I realised that they were part of Santander bank, who I know well from having lived in Spain a few years. I needed to borrow £3000 and therefore applied on line. There were a few details that were not clear so I phoned as well, to have some questions answered. Cahoot accepted my application did a credit check on me and although I am young, only 22 years old, they did approve my loan. Im pleased that the repayments are always the same everymonth, as this way I know where I stand. I would like to put in a good word for them in case other people feel undecided the way I did. I can say from my experience that they are OK and recommend them.

Review posted by Ferdi Barrett

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I phoned Santander´s phone line to enquire about taking out a personal loan of £4000 which I needed to help my daughter out of a dilemma. They put me in touch with their financial department Cahoot. As they explained to me how to proceed with my application, I did just that, on line, with no difficulty after their assistance. I am a 48 year old lady with a decent job and a reasonable salary. I do not have any debts and have paid off my car totally, so I think that a credit check on me, must have been positive. I am now paying the loan over 3 years and am pleased that the interest rate was very affordable. I have nothing to say against the way this bank works. Tks to them I was able to quickly help my daughter.

Review posted by Marie Reeks

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I am grateful to Cahoots Loan company for having qualified me, to, not only be granted an £8000 loan but also for being given a very low 4.2% APR rate.This meant a very low interest compared to the other 2 banks that I had previously approached.Indeed I did go through a rather strict credit check, but as my finances are in order and I have never defaulted on any payments all went well.I was given the green light and the funds credited to my personal bank account in a short time.Furthermore something positive about Cahoot´s is that the interest is fixed so there will be, I´m sure, no unpleasant surprises.Strict but professional!

Review posted by Alan Evans

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My name is Theresa and I am a single mother to a 8 year old little boy.I live comfortably though not extravaganetly and watch my money carefully.My son is a good little tennis player and I wanted to send him to a tennis academy for the summer holidays.It was expensive, so I got a little help from Cahoots, borrowing £2000.I offered to repay them over a 2 year period as I could afford the installments.The application form was easy to fill in and the answer was given in no time at all.Fortunately it was a positive one.I like the way everything was simplified and the fact that the interest rate was well within what I expected.Good company to apply to.

Review posted by Theresa Barnes

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A while back my wife and I needed a substantial amount of cash as we were so tired of the house we were living in that we decided on a complete makeover which meant redoing the kitchen, the two bathrooms, removing one of the bedrooms to make the lounge bigger and that sort of thing.We went online to research a few loan companies and we were quite impressed with CAHOOT and so asked them for a personal loan of £12000 which we knew was unsecured and also asked to pay back over 5 years. Our creditworthiness was checked out and found to be satisfactory as we both worked and earned a fair income. We liked the idea it was a fixed rate loan and signed the debit order to have the instalments deducted automatically each month.Cahoot are so professional. It was and still is a pleasure dealing with them.

Review posted by Julian Barker

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I was looking for a quick, burocracy free, unsecured and fixed rate personal loan and the first company I came acrooss that offered all of those was CAHOOT and their interest rates were better than the norm too.So without looking any further I applied online for £7000 choosing a 3 year period to repay by means of a monthly debit order. The loan was approved promptly as soon as I had been checked out and as soon as I'd signed the necessary documents the money was transferred to my account.I also felt good about my choice knowing that CAHOOT was the online division of SANTANDER who are very credible. I am thrilled with the choice I made.

Review posted by Keith Whitehouse

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  • Value For Money

I was after an urgent personal loan as I needed to do some renovations at home. It's been on the cards for awhile and I looked online and checked one company after the other until I chose CAHOOT. They had so much going for them such as SANTANDER affiliation, they offered fixed rate loans, their loans were unsecured and everything is handled online and promptly.And this was exactly my case. I applied for a personal loan of £7000 and as soon as my credit rating was confirmed everything was concluded in a matter of days, even the signing of the debit order for the monthly instalments which were to be paid over a comfortable 3 year period.I will use CAHOOT again.

Review posted by Evan Sutherland

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My boyfriend banks with Santander so I already knew about Cahoot. I did the online application and then called their Customer Services line to get a couple of queries sorted out before finally agreeing to the terms and conditions and accepting the loan. I was really nervous about the whole thing but I should n't have worried because they were so helpful and reassuring about the financial committment I was taking on and so knowing that this loan is very competitive and well within my affordability means I can relax and enjoy using the money to make this Christmas the best one since my boyfriend and I have been together. He has just taken out a loan as well so I am hoping my present is going to be as fantastic as the one I am planning on giving him!

Review posted by Sandra

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With my son's help I went online and looked at various loan companies before deciding on Cahoot. I didn't know they were the online division of Santander bank so I was very reassured by that fact. My application was done through their online facility but I spoke to a very helpful young man from their Customer Services department as well who helped to explain certain aspects of the loan before I accepted the final terms and conditions.I feel very happy with the final outcome of this loan application and my son reassures me that I have been given a very competitive APR and so that is another plus point as far as I am concerned. My son works for a bank so he knows all about this sort of thing. If it gets his approval then I know I am on to a good thing!

Review posted by Eric Skillern

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This is my first experience of using an online lender having used the more conventional high street bank method over the years. But I have to say that I have been very impressed with the whole experience that I have had with Cahoot. It really couldn't have been more straightforward and easy and I would definitely recommend them to my friends. I didn't realise they were the online division of Santander and when I discovered that I was even more pleased that I had chosen them. My daughter and her husband both bank with Santander and they seem to be very satisfied with the service they receive from them. They didn't ask me what I wanted the personal loan for, but between you and me, it is to pay for a very nice luxury cruise that I have just booked and I shall be sailing off early in the new year thanks to Cahoot.

Review posted by Vivien S.

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I wonder how many people realise that Cahoot are the online division of Santander Bank? I certainly didn't but I also hadn't heard of Cahoot until I went on to the loan comparison website. What an excellent way of finding a loan company. I would have been struggling to find the right lender without this help and now that Cahoot have approved my loan I just wanted to say how happy I am that I chose Cahoot. I will certainly be telling all my friends about them and I bet not many of them know they are part of Santander. My son knew that, but of course he thinks he knows everything, don't all teenagers?!

Review posted by Diane C.

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I've been engaged to the most incredible girl for about 5 years and I'm scared I'm gonna lose her if I don't pop the question soon. I just wanted to make sure that everything was right and I thought the time had come.I wanted to make her day so special and I knew that she wanted a big wedding with all her friends and family and a big wedding reception. I knew that this would be expensive. But it is a once in a lifetime thing and so I applied for a personal loan with a company called CAHOOT after researching online.I liked that it was an unsecured loan and that it has a fixed rate. I asked for £8000 and to repay over 4 years so as not to put us under pressure. The bank ran their usual credit check and the loan was approved. This took a load off my mind and as soon as the money was in the bank I popped the question.Thank you CAHOOT!

Review posted by David Sassman

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After doing a bit of research on the loan comparison website I ended up going with Cahoot for my personal loan. It was the 4.2% APR that swayed me but even if I had ended up with a slightly higher APR I would still have been very happy with the loan package that Cahoot have put together for me.After doing the initial online application I did follow it up with a phone call to one of the loan advisers at Santander and once they had explained a few things that I was concerned about I felt happy to continue with the loan agreement and didn't hesitate to sign on the dotted line so to speak.It goes without saying that I would recommend Cahoot to family and friends but as a few of them already bank with Santander I suspect they have already heard of Cahoot and all the other financial services Santander have to offer.

Review posted by Peter J.

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Now that our loan from Cahoot has been approved we can get on to the task of sorting out the reason for getting the loan in the first place.Our kitchen is in a terrible, dilapidated state and we have been meaning to do something about it ever since we first bought our flat but there always seemed to be other priorities. Now the rest of the flat is looking pretty good the kitchen really is an eyesore and now that I have been lumbered with hosting Christmas for my parents and my in-laws I felt it had to be a new kitchen or live with the shame of it for years to come.Cahoot have come to the rescue and not only that they have come up with a really decent loan agreement that isn't going to stretch our purse strings too much in the new year. So now all I have to do is make sure I don't cremate the turkey and everyone should be happy and I might just earn a few brownie points with the mother-in-law!

Review posted by Sandra W.

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I wasn't feeling very optimistic when I did the online application for a loan with Cahoot because I had not had much success with the two previous lenders I looked at on the loan comparison website. But I am pleased to say that without having to compromise too much on the APR and the monthly repayment amount I have more or less ended up with the type of loan I was looking for all along.I have to say Cahoot are offering a much better deal than I was expecting because the low APR of 4.2% was never going to apply to me because of my past credit history and that would have been the case with any of the lenders I went to. However they didn't punish me too much for my past bad credit because I had made a huge improvement on that score over the last year or so.All in all Cahoot have come up with a loan package for me that is more than I could have hoped for under the circumstances and I will definitely consider them again if I need another loan and I have already recommended them to my friends and family.

Review posted by Nathan Peters

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My boyfriend banks with Santander and he told me all about their online division Cahoot who I had heard of but never realised they were connected to Santander.I wanted to take out a loan to pay for some cosmetic surgery and my own bank wouldn't consider me for the loan because I hadn't been banking with them for very long which I suppose was understandable. But I am so glad that Cahoot didn't have a similar policy otherwise I might not have been able to get a loan from them either.I am really happy now that I have been approved this loan and once I have managed to pay it back I hope my own bank will finally consider me worthy of a personal loan otherwise I might have to go back to Cahoot again if I decide to have any more cosmetic surgery.

Review posted by Melissa Martin

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I needed to obtain some money to help pay for my son's student loans and figured the easiest way to do that was to apply for a loan with a loan company. I have an account with Santander and noticed the other day in their branch, a advertisement about Cahoot and personal loans. I thought about it for a while and then decided to call their call centre. I needed to ask some questions before I proceeded.Their call centre was extremely helpful and put my mind at ease as to whether I should apply for a loan. Not having done this before, I was just a bit hesitant.I went on line to their website and looked at the application. I fitted the criteria they requested and went ahead and filled out the form. It was pretty straight forward and I gave them all the information they needed. I was delighted when they came back to me a few days later saying I had been offered a loan. The interest rate was reasonable and as I made the repayments by direct debit, I did not have to worry about paying on time. Excellent service by Cahoot.

Review posted by Sandra Fells

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For a while now I have been researching the web to find the best deal on getting a loan. I wanted to obtain some extra cash to pay for some home improvements. My research led me to Cahoot Personal Loans, they appeared to offer pretty good deals and as they are part of Santander I felt confident about applying to them.I called their customer service to ask some questions before completing their application. I wanted to make sure I had all my facts straight. the customer service was helpful and provided some good tips for completing the application form. I then went on line and filled out the application.This was a painless process and I can highly recommend Cahoots for its great customer service. I was granted a loan and was pleased with the interest rate they offered.

Review posted by William Scott

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I had been giving some thought to getting a loan to pay off my car. I had a very high interest rate on the vehicle and it made sense to see if I could get a better deal. I have a savings account with Santander and I was aware of Cahoot's personal loan program so I figured that was probably a good place to start.I went on line and pulled up their website. I read up on their loan agreements and what one needed to apply for a loan with them. It seemed easy and I understood all the information supplied. I saw the range of interest rates and they were much better than the one I had on the car loan, so I went ahead and completed the application. I am very pleased to report that Cahoot approved me for a loan with them so I could pay off my car. I liked the direct debit idea so I did not have to think about making the repayments. This was an easy process and I am glad I went to them.

Review posted by Penny F.

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I needed to fund a school trip for my kids and I did not have all the cash required. I did not want to disappoint them and thought about getting a personal loan to help with the costs involved. Ski trips are quite expensive especially with all the gear you have to buy. Still, once bought, they would always have the items for future use. So I began to look on line to compare different loan companies. I saw Readies had a website that did the work for you on comparisons, so that made life easy.I decided upon Cahoots as they seemed quite reasonable with their interest rates and the application process appeared to be easy. I filled out the application on line and waited for a response. Apparently I qualified for a loan with them, which was pleasing and within a few days I had the funds to go shopping with my kids. Good deal Cahoots and thanks.

Review posted by Linda Beaton

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I had promised the wife that this year we would replace our aging furniture. When she supplied the list of items with their price tag, I was a bit taken aback and realized I would come up short for the total amount needed. Well a promise is a promise so I had to find the money to make it happen. I did not want to touch our savings and figured a personal loan would be the way to go.A friend of mine had told me about Santander and that their associate company, Cahoots, did personal loans. He had himself obtained a loan through them and said how easy the process had been. I decided to give them a try.I looked up their website and found the application for a personal loan. I was not sure on a couple of the questions, so I called their customer service line to obtain some clarification. They were really helpful and answered my questions. I was then able to go ahead and fill out the form. It was not too long after submitting my application that I heard back and they approved me for a loan. The interest rate was compatible with the current market and the repayments fit my budget so I accepted. I was happy that I had chosen Cahoot, they are a good company to work with.

Review posted by Craig Fenn

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We needed to do some refurbishing at home and also needed to buy a second family vehicle as the wife was becoming a lot more involved in animal rescue and needed a vehile handy almost always.To take care of all these things we estimated that we would need about £8000 and the right way to do it would be by way of a personal loan. The name that came to mind during our research was CAHOOT. They seemed credible enough and their rates were favourable too.So we went online and applied for a personal loan of £8000 and chose the 3 year repayment plan liking the idea that it was a fixed rate loan. Once the credit check was done the money was transferred to our account. We also signed the debit order for our monthly instalments to be automatically deducted.CAHOOT are very professional and a pleasure to deal with.

Review posted by Steven Raines

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Cahoot are the online division of Santander. I didn't know that until I used the loan comparison website to get my personal loan. That did influence my decision to go with them for the loan because I do often dismiss things because of their name.Obviously I had heard of Santander and I know they have a great reputation in the banking industry so I felt reassured knowing they were behind my loan from Cahoot if anything should go wrong. Of course I'm hoping nothing does go wrong but it doesn't hurt to be prepared for worse case scenarios and that is why my monthly repayments for this loan are not going to be a problem because even if I were to lose my job my husband's salary can cover the repayments until I get another one.I wouldn't be borrowing this money if I didn't have this back up because I hate being in debt and try never to bite off more than I can chew especially when it comes to money. I am trying to instill this in my kids as well but they still can't make their pocket money last more than a couple of days!

Review posted by Vanessa K.

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Now that I have got my loan from Cahoot I am going to buy my parents the best Christmas present ever to say thank you to them for everything they have done for me over the past year.I split up with my partner and I am left to bring up our 2 year old daughter without any help from him. My lovely parents took over the weekly childcare of my daughter so that I could go back to work and without their help and support I would either be spending a fortune on childcare costs or staying at home and relying on benefits to get by.I am so happy that I have got a great job now that pays well and my little girl is getting the best care ever from her doting grandparents and I just hope she doesn't miss them too much when they go off on their cruise next year which I am paying for with this loan. Thanks mum and dad and thanks Cahoot.

Review posted by Roisin M.

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Getting a loan from Cahoot was the best thing I could have done because if I had left it much longer my dream car would have been snapped up by somebody else and I would have been gutted.I saw the car in question and it was being sold by a friend of a friend who was selling up and going travelling. She wanted the money asap and was willing to sell the car at an unbelievably low price considering what a mint condition it was in.After begging my friend to beg her friend not to sell the car to anyone else I got straight on to the internet and ended up getting the loan with Cahoot. The APR was not the lowest but because I was going to be saving so much on the car I felt it was worth the compromise because Cahoot were happy to go straight ahead and approve the loan and speed was of the essence as far as I was concerned.So the happy ending to this review is that I now have my dream car and it may just be a cute little Fiat 500 but I love it to bits.

Review posted by Rachelle, Hammersmith

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With most loans I have taken out over the years I have usually had to compromise on some aspect of it but I can honestly say that this isn't the case with my loan from Cahoot that has just been approved.I wanted to borrow around 8K with an APR of about 4-4.5% and I didn't want to be stretched with the monthly repayments because I had made that mistake before and lived to regret it.Cahoot have taken all this on board and given me a near perfect loan for my requirements and if I had to find one fault with the whole process it would be that I had to wait a considerable length of time before someone answered my call to their Santander customer services line but once I finally got through they couldn't have been more apologetic and answered my queries straight away which enabled me to go ahead with the loan.

Review posted by Kieran W.

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Buying a new car is always exciting especially when you really need it and have been patiently waiting. The model I wanted was available at last. It was 2 years old and exactly what I was after.As a trade in I was offered £5000 for my old car so I needed to take out a line of credit. I'd heard about CAHOOT from a friend and went online and filled in the personal loan application for £10000. I chose the 4 year payback plan because of the fact that the loan was fixed which meant that no matter what, the monthly instalments would be the same. What also fascilitated matters was that payments were to be made via a direct debit. CAHOOT were so helpful and professional. My car is great too!

Review posted by William Conway

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Before I set off for my trip to to the Caribbean I just wanted to post this review to say how satisfied I am with the brilliant service I got from Cahoot when I applied for this personal loan to fund my 'get away' to the sun for Xmas.My friends are all a bit peeved that I am not going to be around for the festive period, but I'm a single girl and until I find me a rich husband and have kids of my own I don't think I'll be missing out on too much Xmas morning.Maybe by the time I have paid off this loan my circumstances will have changed but for the time being I am happy to make the most of being footloose and fancy free and getting such a great deal on the loan from Cahoot just makes that even easier to do.

Review posted by Ally, London

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My personal loan from Cahoot just before Christmas is the best present ever for me because it means I can finally afford to treat all my family and close friends to really nice presents this year.I decided to apply for the loan when I was given a promotion at work with a very nice pay rise to go with it. My family have been really generous to me during the years when I was still training and on a low wage and I want to show them how much I appreciate their help and support by buying them all something nice.They say Christmas is a time for giving and thanks to this loan from Cahoot that is exactly what I am going to be doing and I am going to enjoy seeing everyones faces when they open their gifts from me this year. I'm hoping they'll be pleasantly surprised that it isn't socks or slippers again!

Review posted by Ms D.J., Scunthorpe

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A friend I have who banks with SANTANDER suggested I apply for a personal loan with a company called CAHOOT which is an online subsidiary of SANTANDERS. I followed his advice as I needed to settle an outstanding debt that was causing me unnecessary problems. I applied online for £8000 and obviously I was well checked out to reassure the lenders that there would be no defaulting on the monthly payments. I opted to repay over 3 years and signed a standard debit order so there'd be no slip ups.I had the money within a matter of days and am truly impressed with CAHOOT:

Review posted by Richard Wisden

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As usual I had gone overboard with the spending at Christmas and found myself skint. I wanted to book my 2016 summer holiday well in advance instead of the usual last minute thing which never really turns outs right for me. I decided to get a small personal loan after seeing some really super holiday destinations being advertised on the TV. 2016 was not going to see me fighting for space on some overcrowded beach in Benidorm. My loan from Cahoot means I can sunbathe in style on a beach in the Bahamas without having to bother about anything except what book to read while I am soaking up the sun and sipping a nice cocktail. Thanks Cahoot!

Review posted by Denise V.

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The only way I can recover from all the stress of xmas is to indulge myself in the planning of my next summer holiday. This time I have had to do so with the help of a personal loan from Cahoot because I have decided to treat my sister to sharing the holiday with me to cheer her up after being unceremoniously dumped by her boyfriend 2 weeks before xmas. Honestly I think she is better off without him and dumping her was the best present he could have given her but that's not how she sees it. So big sister is coming to the rescue with an all inclusive holiday in Dubai next April and my only proviso is that she doesn't find another boyfriend before then and want to bring him along with us!

Review posted by Melanie S., Islington

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I deliberately waited until all the fuss of xmas had died down and I could work out the state of my finances before applying for a personal loan. I wanted to know what I could easily afford in repayments each month before committing to any sort of loan.With the help of the readies loan comparison website I opted for Cahoot and went ahead and did the online application. Fortunately they were quoting a monthly repayment amount that was more than affordable for me and I just hoped that my credit history check would not be a stumbling block. I am glad to say it wasn't and Cahoot have approved the loan officially and once I have the funds at my disposal I will get busy looking for a my new car. Having the money up front is bound to give me a bit of bargaining power so I hope to drive away with a real bargain.

Review posted by Shelly, Luton

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Our loan from Cahoot is going to mean we start 2016 with a real boost to our bank balance ready for us to start furnishing our new flat. We didn't want to have to rely on friends and family giving us their old stuff, well intentioned as it may be. We want everything to be our choice and our style and we thought getting an affordable personal loan was the best way to go about doing that.Cahoot have given us a really competitive APR that is much lower than our bank were quoting and so we didn't hesitate to sign up to their terms and conditions of the loan and as soon as the money is in our account we are going to start looking for some bargains in the sales. We couldn't have timed this loan better!

Review posted by Pat & Rosie K., London

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I have been with my girlfriend for three years and we love each other and I wanted to pop the question in a way that would sweep her off her feet.I decided on a Mediterranean luxury cruise which she had been speaking about. So I needed money for the engagement ring and the cruise. I do have a very good job that is well paid but still felt a personal loan was the way to go.I'd heard about CAHOOT'S unsecured loans and applied for a personal loan of £10000 to be repaid via a direct debit over 4 years. I had to make sure that the monthly amount was affordable hoping that the marriage would follow and needing funds for that too.The loan was approved and with not too much red tape. I appreciated the fact that it was a fixed rate loan guaranteeing constant instalments for the duration of the loan. The cruise was out of this world and she said ''YES'' and for all this I say a big Thank You to CAHOOT.

Review posted by Frank Marshall

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The last time I applied for a personal loan from my own bank it was a bit like the Spanish Inquisition and even though they eventually approved my loan I resented the fact that I had to go into such detail as to why I wanted the loan. Surely a personal loan should be just that and one shouldn't have to justify to their bank of many years why they needed the loan.Anyway, when I decided to take out another loan recently I didn't make that mistake again and that's why I got on to the internet and did a search for other lenders that didn't expect me to jump through hoops to get the loan.The loan comparison website showed quite a few lenders that might suit my requirements but I chose Cahoot in the end because I liked the fact that they were the online division of Santander who appeared to be one of the most competitive lenders at the moment and have a very good image.Cahoot have a very efficient call centre line which I used to get a few queries answered before making my application and it didn't take very long at all before I had my personal loan approved without me having to give Cahoot my life history. They are only concerned with my ability to be able to afford the repayments and once we had that established everything else was plain sailing!

Review posted by Ian Edwards

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Cahoot have just approved a fantastic personal loan for me and it means that I can go ahead with my plans to trade in my old banger and get a decent set of wheels before I embarrass myself anymore by breaking down before I've even got out of my road. It had become a regular occurrence and the neighbours were beginning to get fed up with either push starting me or lending me their jump leads.2016 is going to give the neighbours something to cheer about and hopefully also make them just a teeny bit jealous because the car I am trading my old banger in for is 3 series BMW, the ultimate driving machine in my opinion.I might not have been able to afford such an amazing upgrade if it hadn't been for the really competitive loan with easily affordable repayments and I have to say a massive thanks to Cahoot for making it happen.

Review posted by Jonas, Hackney, London

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I only knew that Cahoot were a division of Santander because my work colleague told me and then once I got on to their website and saw what they were offering in terms of APRs on their personal loans I was glad that I had mentioned that I wanted a loan otherwise I might just have gone to my own bank.Now that I have seen what is available online I realise I would have been missing out on a really good deal and I would have been gutted. Cahoot have approved my loan with one of the lowest APRs I have seen advertised by any of the other lenders and I am absolutely delighted to have got such a great deal.I am not one for using the internet usually but I realise that if it wasn't for Cahoot being the online division of Santander I wouldn't have got this loan so easily. I might still be in negotiations with my own bank which would be very frustrating especially if I ended up with a less competitive APR than what Cahoot are giving me. Lesson learned, and I shall definitely make better use of the internet from now on.

Review posted by Leanne Carter

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With the benefit of loan comparison websites it was quite easy for me to get the best deal on my personal loan. Cahoot were the first lender I looked at because my girlfriend had got a loan from them last year and she was really happy with the deal she got from them and she said I should go with them and save myself a lot of time and effort.My circumstances were different and I needed to borrow a lot more money but when I realised they were offering the sort of loan I needed I went ahead and made the online application. It has only been a week since that application and I have the money in my account already which I am thrilled about because I thought it would involve a lot more paperwork and negotiating.I would definitely recommend Cahoot to my friends after all, good advice should always be passed on.

Review posted by Mark Benson

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I must remember to thank my friend for recommending Cahoot when I told her I was looking for a loan. But firstly I think I should thank Cahoot themselves for giving such a a great deal on this loan. If I had been looking to borrow a smaller sum of money I might not have necessarily gone with Cahoot but I was borrowing quite a considerable amount to help pay towards my wedding and the all important APR was the biggest factor. I thought if I could get anywhere near the 4.2% Cahoot were advertising I would be very happy and I am delighted to say I struck lucky and got the 4.2%. I did wonder if anyone actually got that APR or whether it was just clever advertising and now I know they do!My partner and I are thinking about taking out a joint bank account once we are married and after my very satisfactory experience with Cahoot we might consider Santander who Cahoot are the online division of. I wonder how many people know that?

Review posted by Sally J., Cirencester.

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Can't really find anything negative to say about my experience of taking out a personal loan with Cahoot except to say I am still slightly puzzled as to why they call themselves Cahoot when they are simply the online division of Santander. Answers on a postcard please.But seriously, I have been very satisfied with the overall process and the very competitive 4.2% APR for anyone borrowing 25K is certainly a great deal. My loan requirements weren't quite that much but I still got a very good rate and it beat the quote I got from my own bank so that was enough for me.If I need to borrow a bigger sum in the future I will definitely give Cahoot another go so I hope they stay being as competitive as they are for a while longer.

Review posted by Tony Chatterton

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Thanks to a brilliant loan from Cahoot I have got the car I have been dreaming about for ages. I had to wait a while because I have only just qualified in my job and my new salary means I can easily afford the repayments on the amount I needed to borrow but getting such a competitive APR on the loan was important because I didn't want to spend more money than I needed.So I took my time when searching for the right loan and Cahoot ticked all the right boxes for me. A really competitive APR and easily affordable monthly repayments were the most important factors and Cahoot were offering them so it was an easy choice and I am just glad that they approved my loan and gave me the money in such a a short period of time. I thought it might takes weeks but it turned out to be less than a week once I got the approval.2016 is starting with a the right car paid for with the right loan and I couldn't be happier.

Review posted by Aidan Hill

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I'm finally going to get my new kitchen and bathroom after years of pleading with my husband to do something about replacing the old ones. He promised it would happen eventually and I didn't doubt him because I knew that he would agree to us taking out a personal loan as soon as he felt we could afford the extra monthly expenditure on loan repayments.I did all the groundwork so to speak with finding the right loan for us and I knew getting a loan with the lowest possible APR was very important as it would have a bearing on the amount we would be paying each month. When I saw that Cahoot were advertising a possible APR of 4.2% I immediately applied online for a quote which came back very favourably subject to a satisfactory credit check which we passed with flying colours.My husbands responsible management of our finances all these years has paid off and that influenced the final APR we were given on the loan. He was delighted to hear that his efforts weren't in vain. Now we can just get on with planning and designing our new kitchen and bathroom and I hope it goes as well as getting this loan did.

Review posted by Vanessa, Leigh-on-Sea, Essex

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I was needing to buy a new car and went on line to try and find the best deal possible. There were so many companies all offering pretty much the same. I opted for CAHOOT for a few reasons, some being the loan was unsecured and with a fixed rate. They were also affiliated to SANTANDER so that gave me ease of mind as well.I filled in the loan application online and my request for a personal loan of £9000 was approved pretty quickly. There were a few credit checks they had to carry out which is understandable, but I knew that my credit rating was good. I then signed the loan agreement a couple of days later and the debit order to automatically deduct the monthly payments over a period of 36 months which suited me perfectly. The money was in my account very soon thereafter.I now have my new car and thank CAHOOT very much indeed. I'm sure we'll see each other again.

Review posted by Gregory Jackson

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Some refurnishing and some refurbishment was desperately in need at home and I had my wife on my back on a daily basis. I had to agree with her that things were looking really bad and so I went online to look for a loan company that would offer the best deal on a personal loan.They all offered pretty much the same although I decided on CAHOOT because they were more flexible and affiliated to SANTANDER . I requested a personal loan of £8000 and opted for the maximum repayment schedule over 5 years. I felt good about this because it had a fixed rate and it was for our house and we weren't going anywhere. After their credit checks were completed the loan was approved and shortly thereafter we had the money. Work has begun at home and my wife is happy once again. A big thanks to CAHOOT!

Review posted by Dennis Madison

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I didn't read loads of reviews about Cahoot before deciding on them for my loan but I did read enough to know that most people who took out loans with Cahoot were satisfied with the service they received and the interest rate they were charged for their particular loan.Getting a low APR was my main priority but I also wanted it to be a stress free experience unlike a previous loan I took a few years ago with another loan company who shall remain anonymous! That was a nightmare experience partly due to my naivety but mainly due to the loan company being very irresponsible by allowing me to borrow much more than I could afford at the time. My parents had to bale me out and I was put off the idea of loans for quite a while.The procedure and regulations for taking out loans has improved a lot since then and the online loan calculator facility that a lot of lenders have is a great way of helping borrowers, and it certainly was a great help to me. I knew what I could afford before I even applied for my loan and that made a hell of a lot of difference to me.So anyone reading my comments can take it from me that Cahoot are offering competitive loans in a fast, efficient, and most importantly, responsible way and that's why I feel happy to include my comments on this website.

Review posted by Benjamin Arnold

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I've got my summer holiday to Marbella booked and its still only the first week of 2016. I couldn't have done it without the loan from Cahoot and it was the best decision I have made so far this year.By borrowing the money and booking the holiday so early I have got myself a real bargain and the loan repayments are affordable enough for me not to miss the money too much each month.I am trying to persuade my friends to do the same thing so that we are all guaranteed a great holiday this year because we love holidaying together and it would be a shame if any of them missed out on this great deal I have got with the villa.So 2016 for me has started with a great deal on a loan and a great deal on a holiday. Now lets see if I can get a hat trick by nabbing some real bargains on clothes in the sales.

Review posted by Natalie B., Essex

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I finally found a lending institution that I could approach via their call centre. It is much better than just online.This pleased me a lot as I had some queries and speaking live with a person is so much easier and more personal.Cahoot´s staff were extremely firendly and helped me with my application.I needed £5000 and needed some guidance on whether I should take the loan over 3 or 4 years.The client services representative worked both options out for me which led me to opt for the latter.I can give them 5 out of 5 for professionalism and assistance.Thank you Cahoot.

Review posted by Brett Scott

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I borrowed £2000 to help out my son to buy a motorbike, as he is only 20 years old and not old enough to apply himself although he has a good job.I requested the loan over a period of 12 months and although I am responsible for the repayments my son will give me the money every month from his wages.I want him to understand the responsibility of paying back what you owe.In a years time if he needs to borrow again then he will do it in his own name.Cahoots has been efficient and the interest rate they are charging me is not too steep, so I cant moan about them.Its the first time I work with this company and so far they seem to be fair.The repayments are made via direct debit which is a good system as this way one doesnt have to worry.

Review posted by Frank Teles

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I am Louise and I work as a hairdresser. My wages are not that high but I do make very good tips fortunately.Recently I needed a£2500 loan and was a little weary to speak to my bank.I felt embarassed to go to my local branch as I am well known there and do not want people knowing my private life details.Its a small village.....I then found on line a site called readies.co.uk where they have a list of many lenders and where one can apply on line.This suited me perfectly.I chose Cahoot after reading what they offer, specially I was happy about the fixed installment.The loan was granted, the money transfered to my account and I keep my privacy.Thank you readies.co.uk for the service you provide.

Review posted by Molly Spiers

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I had one New Year's resolution and that was to get rid of my car and get something special. I saw the car I wanted and all I needed now was a personal loan. With Readies as a guide I chose CAHOOT because they are affiliated to Santander and the loan would be unsecured and have a fixed rate.Eveything was done online. I requested £8000 and asked to settle by way of 48 equal monthly instalments which suited me fine mainly because of the fixed rate and the debit orded that I would have to sign. The loan was approved as soon as my crediworthiness was confirmed. CAHOOT were really on the ball and it wasn't long and the money was in my account. I now have my new car and am thrilled. I'm thrilled with CAHOOT too!

Review posted by William Paxton

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I have just had the approval for my loan with Cahoot and wanted to make some comments about the service I received during the process.Firstly, I wasn't too confident about making the application online so I decided to use their call centre instead. However I had to wait quite long time for my call to be answered and in frustration I gave up and went back to my computer to try applying online. This turned out to be much easier than I thought and I am glad that I persevered with it because I felt a great sense of achievement especially when I got my loan approved almost immediately.The second point of my comment is to say that I did try the call centre again after getting my loan approved because I still had a couple of queries. This time my call was answered within seconds and the member of staff I spoke to was friendly, polite and helpful. So I am happy to forget the first non answered phone call and pretend it never happened which would mean that I have absolutely no complaints to make about the service I received and I am delighted with the loan Cahoot have approved for me.

Review posted by Diana Armstrong, Brentwood, Essex

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For anyone who doesn't already know it, Cahoot are the online division of Santander Bank. I only knew that because my search on the loan comparison website told me that. It was worth going on that website first because it helped to narrow down my search much quicker than if I had just tried each loan company website one at a time.Once I could see that Cahoot were a possible for me I went onto their link and did the application within minutes, it was really that easy. As soon as I got the all clear with my credit check I knew I wouldn't have to wait much longer and I was right. Within less than 3 days I had my loan and the funds in my bank account.I never thought getting a personal loan could be so easy and straightforward, but it was and I think the readies loan comparison website deserves some credit for helping me find my loan so quickly and easily.

Review posted by Jamie Royston

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Cahoot turned out to be a good lender to deal with, I was very pleased with their professionalism and the way they treated me.Their on line process to complete the loan application was fairly easy and the interest rate offered was not bad at all. It certainly compared favourably with the car dealership's credit company. I had visited a few dealers because I was on the hunt for a new or decent used car, I wanted to upgrade my current vehicle. As I did not like the repayment amounts offered by the dealership I decided to go to Cahoot, where I have a savings account and ask them for a personal loan.It was a wise choice to go to Cahoot as I was offered much better terms because I qualified for a loan with them.

Review posted by Sidney Wells

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I had not used Cahoot or Santander for any financial business before, but I am glad I went to Cahoot for a personal loan. I was very pleased with the way they worked and the simplicity of their system on line. A friend had told me about Cahoot and as I wanted to find a way to consolidate some debts I had, I rang their call centre to make some inquiries and ask relevant questions.They encouraged me to apply for a personal loan feeling pretty confident that I would be qualified with the information I gave them over the phone. So I went on line and filled out the application. I knew they had to do a credit check so it would take a few days. I was excited that they came back with an offer and the terms were really quite acceptable. Really nice company to deal with.

Review posted by Suzie P.

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I am with the Santander Bank and when I was inquiring about a personal loan I was directed to the website of Cahoot to apply on line. I was interested in taking out a personal loan to do some home improvements. I had put off this project long enough and it was time to do something about it. So I pulled up Cahoot website and read the information they had posted. I liked the idea of paying by direct debit, so that was a worry-free issue.I went through the process of applying giving all the relevant information they needed. They said they would be doing a credit check so that would take a little time. They needed to ascertain what kind of interest rate they could offer me. However, it did not take long for them to get back to me and I did qualify for a pretty good interest rate and the repayment terms were also doable. I am glad I stuck with this group, decent people to deal with.

Review posted by Albert Smith

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I have an account at Santander and wanted to stay in house when applying for a personal loan, so I went to the Cahoot website to see what I might be offered. I needed to payoff my student loans and again, keep everything in house, with the Santander group, so it seemed the most appropriate thing to do.What I read on the Cahoot site seemed reasonable and so I continued to fill out the application form and submitted it with all my details. They came back at me with a couple of questions which I answered, and the next communication was news that I had qualified for a loan. They were so easy to deal with, I'm glad I went to them and stayed in the company.

Review posted by Pauline I.

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I was in research mode on line, looking for a financial institution that I might possibly qualify for a personal loan with. It's unbelievable how many lenders are out there, which makes it harder to choose the right one for me. I looked at a comparison website called Readies and they gave you a pretty good idea of the kind of interest rate and terms I might expect from several different entities.I had decided to consolidate my credit card debts and just make one payment with a better interest rate, so it was important to select the right company. I chose Cahoot as they appeared to offer the best deal. I'm really glad I did, I was not disappointed. I qualified with them for a personal loan which turned out much better than I thought. I am very happy with Cahoot, when I am done with this debt, I won't hesitate to go to them again.

Review posted by Trevor U.

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Thanks to my loan from Cahoot I have the best car in my village and I can't wait to drive it through the High Street and see everyone staring at me. All my mates are jealous and my best friend in particular because up to now she has always driven the best car but that's because her dad is rich and he bought it for her. I hope she isn't too annoyed with me because I didn't get annoyed with her when she bought the exact same Chanel bag as me last year. If she'd bought a different colour i wouldn't have minded so much but she got the same colour pink which was silly because she could of chosen any other colour. Now she's got a black one too so I can't copy that. But my car is going to cost me most of my spare cash each month so I won't be buying too many bags for a while. I haven't got a rich dad but I have got a great loan from Cahoot.

Review posted by Lauren K., Chislehurst, Kent

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My experience of using Cahoot for my first loan went relatively well although I am not very good with figures and the interest rates didn't mean a great deal to me. What I was most concerned about was how much it was going to cost me each month for the amount of money I needed to borrow.That's basically why I ended up with Cahoot because they quoted me a monthly repayment amount that was lower than my own bank and the other lenders I could be bothered to look at on the loan comparison website.I stopped at Cahoot because I liked the idea that they were part of Santander who have a good reputation. The whole thing went through quite quickly which was great because I was beginning to get frustrated with the whole process of finding a loan and had given up several times before last year but couldn't put it off any longer..I don't think I have settled for the easy option with this loan because when I told my friends about it they all said it sounded like a really good deal which made me feel quite pleased with myself.

Review posted by Jackson Murphy

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I am very happy with the loan from Cahoot but wanted to say that it wasn't plain sailing and I nearly gave up altogether. The problem wasn't with Cahoot but more to do with my ancient computer, which has now gone to that computer graveyard in the sky and I am using my super new laptop to post this review.The Cahoot loan was for a number of reasons, buying the laptop being one of them and being able to do the whole thing online was great for me because I work from home and it didn't take up too much of my time once I rebooted the computer several times!Now that I have my new laptop I can't give my boss the 'ancient computer' as an excuse for missing a deadline but I may well ask him for a pay rise to help cover the cost of my loan from Cahoot. I wouldn't bet on him saying yes, but it's worth a try.

Review posted by Alison Eastman

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When I need to borrow small sums of money Cahoot are my go to lender every time because I am used to them and their short term loans suit me better than using my own bank for an overdraft facility. I haven't borrowed larger amounts from them but I think they would still be a good choice and maybe I'd get an even more competitive rate than I am already.So it's definitely worth keeping Cahoot in mind when my car finance deal ends next year and I have to make that final 'balloon' payment. I had considered selling the car to be able to make that final payment but it is still a really lovely car, in mint condition and I would be happy to continue driving it for a few more years. Another Cahoot loan might be the solution to that.

Review posted by Charlie Jackson

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Getting this personal loan from Cahoot was the best thing to happen to me and I know it's still only January but 2016 is going to be such a great year now that I have been able to get my debts sorted and start afresh. Last year was such a drain on my finances because I had several weddings to go to and my parents 25th wedding anniversary all of which cost be hundreds of pounds each time and then the last minute decision to join my friends in Dubai just compounded my already dire looking bank account.My Cahoot loan means I can pay off all my credit cards and just have this one easy manageable and affordable loan and provided there aren't too many invitations to weddings on the cards this year, then I should be able to maintain this really nice situation of being solvent again!

Review posted by Jemma C., Southampton

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For the second time in 10 years I have taken out a loan and the two experiences couldn't be more different. Thank goodness for the internet. I really hated the whole process when I got my first loan and felt like a fish out of water when I had to don a suit and tie and visit my bank manager.This loan was all sorted from the comfort of my living room while I was in my old trackie bottoms and eating pizza. I'm not saying I'm a slob or a couch potato but I work on a building site and the only time I wear a suit is for weddings and funerals.Cahoot were my choice of lender because I like the brand image of Santander and I am thinking about changing banks in the near future because I have been with my current bank since my parents opened a savings account for me with them and my biggest concern then was when do I get my next piggy? I don't think I need say more!

Review posted by Andy Stevens

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It wasn't too long ago that I desperately needed an unsecured personal loan to sort out a personal matter that had been hassling me for a while. It was part medical and part cosmetic, if you know what I mean and my only option was a personal loan.I went online and using Readies as a guideline I decided to approach Cahoot and ask them for the £6000 that I needed. The fact that they were affiliated to SANTANDER helped me to make my decision.It was really quite simple. An online application and almost immediate approval. The normal credit checks to make sure you don't default on the repayments and then it's the signing of the loan agreement and the funds are yours.I signed a direct debit and had the loan repayment period set over 2 years at a fixed rate. I am totally impressed with CAHOOT and wouldn't hesitate to use them again.

Review posted by Robert Killian

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I chose Cahoot within minutes of going online to the loan comparison website. I had used them before and they were still offering really competitive rates so I really didn't see much point in continuing the search, they were suitable the first time and that was about it.I hate dealing with money and I just like spending it so the most important aspect of a loan is easy online application and competitive rates. My friends congratulated me on finding such a great loan but they don't know just how quickly I made my decision to go with Cahoot. I could have spent hours searching and still end up with Cahoot so what would be the point of that.In my job I have to make important decisions fast and be right every time as there is no room for error and so think I am quite well qualified to use that expertise when choosing a loan. It seems to have worked so far.

Review posted by Diane G., Bury St.Edmunds

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Thanks to my Cahoot loan my friends and I are all going to have a great holiday this summer because I have been able to bag us the best hotel deals in one of the best resorts in Spain.The early bird catches the worm I kept saying to them but they didn't get it so I had to take charge and make the bookings for them with this loan. They are all honest and trust worthy so I know I'll get their share of whats owed but in the meantime I have an affordable loan from Cahoot that isn't going to break the bank but it will ensure that we have the best holiday ever this summer and its all down to me and Cahoot. What would my friends do without me I ask?

Review posted by Laura Hobson

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I'm not one to borrow money. I rather save up and do without it until I can afford to pay cash. That can be really stupid, as I've frequently found out. There are times when certain things are so urgently needed that you just can't wait as was my case a little while ago.It was therefore necessary for me to take out a personal loan and following a colleague's advice I went online and asked a company called Cahoot for a personal loan of £6000 which I would pay off over 2 years and sooner if possible.I was really surprised at how quickly it all took. Cahoot are really on the ball. After credit checks and financial viability the loan was approved and a short while later I had access to the funds.Cahoot are impressive especially to me as a first time borrower.

Review posted by Peter Greenwood

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I am very pleased with this loan from Cahoot because it is the best offer I have had since I started looking for a personal loan a few weeks ago. Lots of lenders were advertising lows interest rates but not many of them were actually giving them when I asked for quotes.Only Cahoot were offering me 4.2% APR and that is why I decided to choose them for my personal loan. It was very important that I got the most competitive loan because the amount I was wanting to borrow was going to have a big effect on my monthly budget and so the lower the APR and the monthly repayments the better it would be for me.I have got both those things with this personal loan from Cahoot and I also discovered that they are a part of the Santander bank which I did not know but I know of Santander and they are a very good bank so I have made a good choice I think.

Review posted by Javi Singh

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My husband and I are absolutely delighted that we have got this very competitive loan from Cahoot instead of going to our bank for the money.We weren't very happy with a loan we took out with our bank a few years ago and we really didn't want to use them again for this loan to pay towards the cost of our daughter's wedding.Several of our friends have used Cahoot and even our daughter has so we thought they sounded like a good alternative for us and that has definitely proved to be so.It turns out that Cahoot are part of the Santander banking Group and we know they are well respected and our son banks with them and has told us we have made a very good choice with Cahoot. So with such all round approval we really can't go wrong with this loan can we.

Review posted by Maureen Tyson

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It was my wife's 50th birthday on the way and she chose to celebrate it abroad. I don't think she wanted everybody to know she'd reached that milestone. I left everything to her as far as choosing the venue was concerned. I just needed to know what we'd need as far as finances were concerned.Once all that was decided we went online and applied for a personal loan with a company called CAHOOT. We'd used them once in the past and they were great so felt no reason to look elsewhere.The personal loan of £4000 was approved very quickly indeed and we opted for the 2 year repayment plan. We had some savings if we needed a bit more but we both felt that the amount would be sufficient.We had a wonderful time and celebrated her birthday with gusto. Nice to know that CAHOOT is around when you need them.

Review posted by Adam Jones

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A friend introduced me to Cahoot by saying he had just got a great deal on a loan with them and as I was looking to take out a loan myself I went online and checked out Cahoot's website for myself.The first thing I realised was that Cahoot were part of Santander which I am sure my friend did not mention but once I knew that I could see why he had been so pleased with the loan he got.It stands to reason that with Cahoot being part of such a successful banking organisation they would be able to offer borrowers such competitive rates. I didn't need any persuading to apply to Cahoot for my personal loan and I went straight into the online application which was easy and straightforward.I didn't have to wait too long for the credit check and that was followed up quickly with the quote. I was more than happy with the rate they would be charging for my loan so I accepted it immediately.I waited less than a week between that initial enquiry to the money being paid in to my bank which I think is very commendable and so I thought I should comment on my first experience of dealing with Cahoot by way of this review.

Review posted by Nigel Smithson

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When I decided to take out a personal loan I did my research first and used the loan comparison website readies to help me. It really does make the task much easier and I would recommend it to any one looking for a loan.As for my choice of Cahoot for my personal loan, I don't think it is my place to recommend them to any because everyone's loan requirements and circumstances are different. But what I can say is that Cahoot turned out to be the best option for me and they have processed my personal loan with speed and efficiency with the result that I have my loan within less than a week of applying for it.

Review posted by Gordon Kingsley

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A personal loan from CAHOOT was going to help me get to my best friend's wedding in Spain. I can't complain because I also got married in Spain and he was my best man too. It was going to set him back a bit so I felt it necessary to turn down his offer to cover my expenses too.Thank goodness for the internet as it was really easy. An online application and almost immediate approval for the £4000 I requested and the interest rate was absolutely acceptable. What I really liked was the fixed rate so for the 2 years I'd be paying off the loan the instalments would be constant and a debit order fascilitates things too.I also felt good knowing that CAHOOT was connected to SANTANDER.

Review posted by Roger Michaels

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Holy Moly! I can't believe I got this loan from Cahoot as I really thought it would be a refusal because of the amount I wanted to borrow and my age and because of my salary and lots of other reasons too. But none of them were a problem in the end because the most important factors for any loan is being able to spread the repayments out over a period that will make it an affordable loan for you and that is what Cahoot have managed to do for me.They worked out what period I would need to take the loan out over so that the monthly repayments would suit my income and it really was just as straightforward as that. I don't have a lot of other outgoings so being able to meet those repayments is not going to be a problem for me at all. Yippee! I can book my dream holiday to Florida now!!

Review posted by Sam Draper

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Like a lot of my friends January is a bad month finance wise. But its also the month when we start dreaming about our Summer holiday and past experience has taught me that to get the best bargains you have to book early. The whole 'last minute.com' thing doesn't always pay off and I found that out to my dismay last year and ended up not having a proper holiday.This year is going to be different because I have taken out a loan with Cahoot so that I can book a really nice holiday and take advantage of some of the great offers that are out there at the moment. I have persuaded my best friend to do the same and we were in a bit of a race to see who got their loan first. I did cheat a bit because I had already applied for my loan with Cahoot but as she is a Santander customer she wasn't far behind me and hers came through a couple of days later. We both got really good deals on our loans and I suppose that is not surprising with Cahoot being the online division of Santander.

Review posted by Jenna Rogers

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I'd say my experience of taking out a personal loan with Cahoot was pretty painless considering what I was borrowing. I thought I would have a lot more trouble getting a loan for such a large amount and that they would make me sweat a bit waiting for their approval.I couldn't have been more wrong. They were really upbeat and friendly when I rang their call centre and put me at ease right from the word go. I put the phone down feeling really positive about the whole thing and that positivity has stayed with me right up to now which is why I am posting this review to say thanks to Cahoot for a great service and a great loan.

Review posted by Pete Ashworth

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My loan from Cahoot is no one's business but mine but that doesn't mean I shouldn't post my review to say how happy I am with the loan they have given me and also to say thank you for all the help they gave me when I rang their call centre for advice before taking out the loan.My loan is the first big financial commitment I have ever made and I am glad that I took on such a huge responsibility with a company like Cahoot because they have given me great advice and didn't put any pressure on me they just answered all the questions I had and that helped me to make an informed decision before taking on this loan.

Review posted by Ms Lisa B.

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I was praying that Cahoots would approve my request for a loan, as I read on their site that they dont question what the money will be used for. We can use it for whatever we want and this is something that other banks arent too happy to do. I´m a very private person and wanted to keep my reasons private. I applied to borrow £8000 over a 36 month period, understanding via the calculations that I would be paying less than 250 per month. Cahoot did a background and credit check on me, which must have been a positive one, as they gave me the loan. I will now pay via direct debit which is very convenient. I´m happy.

Review posted by Mercia Anderson

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I am a retired lady but have my pension which is enough to live comfortably. It was my grandson's 25th birthday in November and I wanted to give him the motorbike that he had been eyeing for months. To pay cash would clear my savings account so I took out a loan with Cahoot´s. As Im not too clued up with applying on line I went to the branch of Santander, as I understand they are connected. Im from the old school and was pleased to have the personal touch. The bank clerk was very helpful and helped me to get the £3000 that I needed without any difficulty. I would like to thank Cahoot and the young lady who answered all my questions and helped me. Good bank it is.

Review posted by Doreen Burman

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My parents just got divorced. My dad went to live on his own and left my mom and myself living in their cottage. The first thing my mom did was phone a builder to get a quote to break down the kitchen and bathroom and revamp them. The cost would be £6000 but my mom could not afford paying cash. I helped her to apply on line for the loan. We chose Cahoot bank as they offered a good deal as far as the interest rate and fees are concerned. Also it is a well known bank as It is the online division of santander, so it gives one assurance and confidence. They gave my mom the loan and we will repay it over 48 months. We both excited.

Review posted by Patricia Mc Court

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Cahoot have just confirmed the approval for my personal loan and I am massively relieved and excited in equal measure. I had never applied for a loan before and was worried when Cahoot said it would depend on the result of a credit history check and that a bad credit rating would be a stumbling block. I needn't have got myself so worried because it turns out my credit rating is very good and Cahoot were falling over themselves to offer me this loan, ha ha.Seriously though, my credit score was indeed very good and that combined with my monthly income after all my other bills are paid meant I could afford a really competitive loan from Cahoot and I am rather proud of my very good credit rating even though I had no idea that I actually had one until Cahoot told me.

Review posted by Colin Flint

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This is my third loan with Cahoot and when I was making my application I was just a little bit worried it might be third time unlucky this time because I had a few issues with things that might have affected my credit rating which would in turn have an impact on my eligibility for this personal loan.Fortunately my worries were unfounded and I got the much needed approval and my loan application is going through as with the previous ones. I am so glad Cahoot approved this loan because I do like dealing with them and I'd like it to remain like that for when I need another loan in the future.

Review posted by Dennis Latimer

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I had an emergency on my hands and I had to travel abroad as one of my closest friends had fallen ill and we've been close since junior school.What made it worse was that he had just recently divorced his wife of 20 years and he needed some support and I just had to travel to see him and possibly spend some time with him.However for all this to happen I needed to take out a personal loan and chose CAHOOT as they were the most flexible and were linked somehow to SANTANDER which made me feel a bit better.I went online and asked for a personal loan of £5000 which I'd repay over 2 years . It was the least I could do.I had a pretty decent credit history and the loan was approved very quickly indeed. The APR was very respectable ioo and the loan had a fixed rate and that pleased me. The whole process took about a week and I had the money. A week thereafter I was on my way to Ontario. Thank you CAHOOT:

Review posted by Jethro Hawkins

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I had just moved out of home and into a beautiful apartment quite close to work and at this stage things were looking really good as my girlfriend of 2 years was moving in with me.Her parents gave us their blessing too which was important to me. The apartment was totally unfurnished which suited us as we wanted to give it our own touch. We knew we'd get some help from the family but I took out a personal loan with CAHOOT. ( I found them on READIES )I filled out an online application and asked for £4000 which I'd repay over 2 years. This would be enough for the refurbishment. My credit rating was checked out and the loan was approved. It took about another week and I had the money in my account. I also signed a standard debit order to ensure that I didn't default on any of the repayments.CAHOOT were most helpful and are to be recommended with confidence.

Review posted by Phillip Judd

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I had occasion to use Cahoot for a personal loan recently and wanted to write a review to tell people that they are a pretty good financial provider to do business with. I was changing my car and was required to put down a larger sum of money than I had available, so a personal loan was in order.They are a professional organization, very efficient and offer very good terms. The staff at the telephone care centre are knowledgeable and most helpful. They made it an easy process to go through the application for a personal loan and I was impressed with their expertise and the terms that they offered me.

Review posted by Paul Sweet

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I applied to Cahoot for a personal loan as I wanted to consolidate some debts I had accrued. It made perfect sense to me to make just one payment and probably obtain a better rate of interest. I had heard from a friend that they had a good experience using Cahoot, and were pleased with the way they were treated and the terms of the loan.I actually rang their call centre line to make some inquiries first before completing the loan application on line. I had some questions they I needed clarification on. The call centre person was most helpful and satisfactorily gave me the answers to my questions.They offered me a very decent rate of interest on the amount I wished to borrow, so I was another happy customer and would go back to them again.

Review posted by Ken Williamson

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I have been in a job now for a couple of years, having left university with the degrees I wanted. I am currently paying out on a few student loans, with different terms and interest rates and wondered if I would be able to obtain a personal loan to pay off these loans and just deal with one payment.A work colleague told me about Cahoot and that she had obtained a loan from them a few years back. She had been pleased with Cahoot and the way they did business, as she recommended them, I thought I would give them a try.I went on line and began the process for a personal loan. I did qualify and they offered me a very good rate of interest. The repayments were quite doable so I was able to achieve my goal.

Review posted by Louise Wells

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I was in the process of remodeling my home and making quite a few improvements, unfortunately the materials were over-extending my budget and I needed to seek out a financial lender so I could finish the job.I researched on line for the best financial institution who would probably give me a good rate of interest, I came upon Cahoot and liked what I read about them. I am glad I went to Cahoot as they were an excellent outfit to deal with. I was granted a loan with great terms and I would recommend them to anyone applying for funding.

Review posted by David Long

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I had decided to take out a personal loan to cover my credit card debt. The interest rates on my three cards were awful and I knew I could do better, especially if I consolidated the debt. I was looking around on the web at different lenders and what they offered. There are so many out there, it was taking me for ever to read up on them all.I found Readies on line and their website was really helpful because it listed quite a few financial providers with information and terms. I chose Cahoot as I liked what I read about them, and submitted an application.This was a good move. I was approved for a personal loan with good terms and conditions and when the money appeared in my account, I was able to kiss my credit card debt goodbye.

Review posted by Stephanie Turner

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Because I was having problems with my online loan application from Cahoot I ended up having to call Santander's phone line. That was a bit odd because I didn't know why Cahoot were different from the Santander online facility and why Cahoot didn't have their own phone line. My husband says I have a tendency to overthink things and that Cahoot are simply the online division of Santander and as such are one and the same company so there's no need for a separate phone line. I'll be honest and say I am still none the wiser really but because I ended up getting a great personal loan from Cahoot via Santander's phone line I will let it rest at that.

Review posted by Linda. London

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I knew about Cahoot and knew they were the online division of Santander because my fiancee is a Santander customer and a friend of mine works for Santander so there were no big surprises for me when I went online to apply for a personal loan.I suppose I should have been surprised at the 4.2% APR they are giving me for this loan but I'm not because my friend who works for Santander said my credentials were really good and that I would almost certainly get offered an APR in that region. I had no idea I had such good credentials but he was talking about my very good credit rating and not much else! But if that's enough to secure me such a great loan then I don't think I need to worry too much about the rest because my fiancee seems to like me just the way I am.

Review posted by Kevin Banks

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  • Ease Of Use
  • Value For Money

An unsecured fixed rate personal loan was what I was after for the holiday my wife and I wanted to take to celebrate our 20th birthday. We were told about CAHOOT by my brother in law who had dealt with them in the past and we then applied online for a personal loan of £6000 which was approved without much burocracy. Our credit rating must have been positive.We also didn't mind the 36 month repayment schedule as we had a fixed rate which meant we'd pay the same instalment for the duration and by way of a debit order which was ideal.It didn't take more than a week and the money was in our account. My wife was ecstatic and so was I actually.I thank my brother in law for telling us about CAHOOT.

Review posted by Chris McMahon

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  • Ease Of Use
  • Value For Money

CAHOOT was the name that appealed to me the most when I went online to look for a personal loan. I needed some cosmetic dental work done and my dental insurance would only cover part of the bill and it was substantial. I followed a friend's advice and went online and filled in an application asking for £6000 which I would repay over 3 years via a debit order. I didn't mind the long period because the loan had a fixed rate and the APR was acceptable.My credit rating was checked out and the loan approved. Within a matter of days I had access to the money and have already booked my appointment at a very well known dental clinic.I thank CAHOOT for being so helpful.

Review posted by Howard Rycroft

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  • Value For Money

I don't have a lot of time or the opportunity to use the internet because of my job so when I applied for the loan from Cahoot I used their call centre line. This actually turned out to be a better way of making the application because I had a few queries that I would like dealt with before I applied for the loan.The call centre guy was really helpful and I was able to chat to him without feeling any pressure and he answered all my questions and once I agreed that I wanted to apply for the loan he helped me do the application there and then.I now have a loan that I am completely happy with and there are no aspects of the loan agreement that I don't understand and the monthly repayments are exactly what I told them I could afford and they have very kindly planned my loan around that figure.I am 100% happy with what I have just signed up for with this loan and the guy at the Cahoot call centre had a hand in helping me get the right loan for me personally. Thanks mate!

Review posted by Joe Kenner

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  • Ease Of Use
  • Value For Money

My Cahoot loan is going to help me in so many ways that I don't quite know where to start. Firstly I am going to pay back my dad for the loan he gave me to buy my car last year and then I hope to reduce my credit card bills a bit and once they are down to a more manageable amount I am going to look at booking a holiday. I also need to get some new furniture for my flat and it is my boyfriends 30th birthday next month so I will have to get him a really nice present. I can't believe I am going to be able to do all this stuff and I wish I had thought about taking out a loan with Cahoot sooner.

Review posted by Emma Frost

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  • Ease Of Use
  • Value For Money

I needed an unsecured loan to go abroad to my daughter's wedding and went online to find the most reasonable deal. I was looking for something a bit more flexible than normal with a fixed rate so you know what you're paying each month.CAHOOT offered that and more and so I applied online for a personal loan of £6000 which I elected to pay off over 3 years. The wife and I are both gainfully employed so our credit rating was quite high and the loan was approved without a problem and before long we had access to the money.We booked our flights and our daughter was really happy and all thanks to CAHOOT's efficiency.

Review posted by Kenneth Walker

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  • Ease Of Use
  • Value For Money

I had heard of Cahoot but didn't know too much about them other than that they were the online division of Santander Bank. So when I was looking on the loan comparison website for my personal loan I quickly went to the Cahoot website to see what they were offering by way of APRs. My own bank were advertising a fairly good APR but that rose quickly when I started doing the online loan calculator. I fully expected the same to happen with Cahoot who were advertising a potential 4.2% APR. And I wasn't wrong but it didn't rise as much as I thought it would and the final APR they were quoting for the amount i wanted to borrow was lower than what my bank had quoted. I carried on with a few more lenders using their loan calculators where available.In the end I just got straight back to Cahoot because they were one of the lowest and the terms and condition seemed fairly straightforward. I hate it when you get bombarded with a load of legal jargon.Cahoot seemed to like getting straight to the point by speaking in layman's terms where possible. By the time I had committed myself to the loan I was well aware of what I had signed up for, which is a competitive loan with a fixed rate and no hidden charges.

Review posted by Edward Channing

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  • Ease Of Use
  • Value For Money

I took out a personal loan with Cahoot to buy my new car. As I still live at home with my parents and I have no plans to move out or get married any time soon I thought I would make the most of my money while I still can and buying a new car was the most obvious choice for me.I didn't want to go to my own bank for the loan because I wanted to keep this loan completely separate so that it didn't complicate things. But once I got the loan I did inform my bank that a direct debit for a large sum of money would be coming out of my account every month and that if there were any problems with that going through to inform me as soon as possible.The last thing I want is to default on this loan which would cause me all sorts of problems in the future and would almost certainly affect my credit score. Technically there shouldn't be any problems because I have borrowed well within my affordability. If there is a problem with the DD I'll be blaming my bank!

Review posted by Hugh Bartlet

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  • Value For Money

I was in need of a personal loan of £5000 a little while back to sort out a debt that I'd had for some time and to keep my head held high it was time to pay it. I did some researching on line and liked the look of CAHOOT due to the loan being unsecured and also it had a fixed rate.I applied on line and filled out an application requesting the £5000 needed and they did the necessary credit checks and found me to be creditworthy. The loan was approved and I signed a standard debit order so there'd be no chance of any default on the repayments.A few days later the funds were in my account. My debt was paid and it took a weight off my mind. For that I thank CAHOOT.

Review posted by Leonard Green

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  • Ease Of Use
  • Value For Money

It was such a relief to find that applying for a personal loan can be so easy these days. I hadn't taken out a loan for quite a number of years and it was much much procrastinated then. Meetings with your bank manager, loads of forms to fill in and sign. I am glad to see that things have progressed so much or other wise I might have been reluctant to go through all the palaver again.I chose Cahoot after finding them on the very handy loan comparison website Readies and I liked that they were part of Santander Bank as it gave them more credibility as far as I was concerned. They were offering a very competitive rate for the amount I wanted to borrow and so it really wasn't too difficult a choice for me to make.My loan has been approved now and the funds are in my bank account so I thought it would be appropriate to post a comment saying how pleased I have been with the whole transaction.

Review posted by Karen Denton

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  • Value For Money

I quite like the whole Santander Bank image and might actually consider opening an account with them in the future. So when I was looking at different online lenders for a personal loan and saw that Cahoot were their online division I thought I would give them a go and see if they lived up to their advertising image.Well, firstly the very competitive APR of 4.2% that I was quoted for the loan I wanted was good enough for me to go straight ahead and apply for the loan but the fast and efficient way the whole process was dealt with was just what I was hoping for and the idea of perhaps moving my banking to Santander has become even more of a possibility, that's if they'll have me!

Review posted by Steve Smith

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  • Ease Of Use
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I am so pleased with the loan from Cahoot that I just had to post a review to say how brilliant they have been throughout the whole process. I know most of the time it was just as case of processing figures to make sure that I could afford to take out the loan in the first place but once it was agreed that I could easily afford the amount I wanted to borrow they just pulled out all the stops and got my loan finalised and the money in my bank account. I've heard of whirlwind romances but not whirlwind loans although I am definitely in love with Cahoot at the moment!

Review posted by Anna Daniels

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  • Ease Of Use
  • Value For Money

We can buy our new car now thanks to this amazing loan from Cahoot. We didn't dare hope we would get such a competitive APR but when the online quote came through we just jumped for joy and set about making our formal application for the loan.We haven't had to wait too long either because we have just been given our terms and conditions for us to read and then sign and once that is done we can expect our money within a couple of days. Then we can do some serious bargaining on the purchase of our new car and hopefully save a bit more money.

Review posted by Suri Jaimal

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If you have a problem or a query with your online loan application for a loan with Cahoot you have to call their call centre but they don't give you a telephone number on their website. You can call or pop in to your local Santander Bank so I don't know why they just don't call it Santander instead of Cahoot especially as Santander have an online loan website also.It confused me no end but I managed to do the Cahoot loan application online anyway without needing help.so it was no big deal in the end. I got a good deal with this loan and I am not even a customer of Santander Bank so I wonder if their customers can get an even better deal than me. If so they'll be getting the lowest rate that I have seen advertised which is brilliant and it would make me consider banking with them in case I ever need another loan.

Review posted by Belinda, Southend-on-Sea, Essex

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I've been telling all my friends about the brilliant loan I've just got from Cahoot and now they all want to get a loan as well. I told them not to expect to get as good a deal as me necessarily because it all depends on your credit score and how much debt you have and I know I am quite good in that respect but most of my friends are not nearly as responsible with their finances. Maybe its because I have a brother that works in a bank and he has always given me good advice about money matters. But it is never too late to learn and so I hope my friends listen to what I am saying and do something about it before they get refused a loan or a really high interest rate and are disappointed.

Review posted by Morgan Palmer

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Me and my husband spent a few hours looking online for a good deal on a personal loan but we were getting quite frustrated because we weren't getting the APR that a lot of the lenders were advertising. Once we realised that the APR was just a guide and that the final APR you are quoted depends on other factors we realised where we were going wrong and went straight back to Cahoot who were the first lender to give us an accurate quote and still remain one of the lowest APRs. So no we didn't get 4.2% APR but we got 4.5% which was still lower than all the other lenders were quoting us so we got the best deal in the end, eventually!

Review posted by Pauline W., S.Ockenden

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Getting my loan online from Cahoot was so easy it made me think I might have done something wrong and that i missed out a vital part of the loan application. But I hadn't and i found that out pretty soon after the application because they let me know it had been approved and was subject to a satisfactory credit check. that took the longest to verify but I didn't think there would be a problem with my credit but you never know do you. Now that I have got the money in my account I can really say that getting this loan was a piece of cake and I'll definitely use Cahoot again.

Review posted by Daniel J., Enfield

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I found Cahoot to be an excellent organization when I applied to borrow money to buy a car. Their process was very professional and simple, I found it easy to complete their application forms and when I called their customer service to answer some questions, the staff were most helpful.I liked the idea of paying by direct debit then you did not have to remember when the payment was due, as long as your account had the funds of course. When I was approved for the loan, I was delighted of course and liked the terms they offered me. The repayments were doable with my budget and I especially like the interest rate they gave me.

Review posted by Kathryn Wilkins

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I used Cahoot as my personal loan bank when I wanted to consolidate some debts I had accrued. I have an account with Santander so was familiar with Cahoot, as their on line division.I went on line with a figure in mind to borrow. I completed the application which was reasonably easy and submitted it for consideration. I believed I met the criteria that Cahoot needed. I knew they would be doing credit checks, I had no problem with that as my credit score was pretty good.I am happy to report that Cahoot accepted me and approved the loan I was seeking. This was a hassle free process I am pleased to say.

Review posted by Alex Crawley

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I had managed to pay off some of my college tuition but was still left with the housing portion. I really wanted to be done with this debt and thought I should probably apply to a lender for a personal loan. I looked on line and did a study on the different lenders, they vary so much in their conditions and terms. I quite liked what I learned about Cahoot and that they were a division of Santander. I felt pretty confident about applying to them.I applied on line and found the application forms to be simple to complete. I did have some questions so I called their call centre and they put me straight on some answers I was not sure about. They were very pleasant and helpful. I was successful in my application, I am pleased to say and I was given a pretty good set of terms.

Review posted by Sally Trent

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I have an account with Santander Bank and was contemplating a personal loan to fund some home improvements I wanted to make. Until you get down to it, you don't realize just how expensive materials for building are, so extra funding was necessary.I was in my local branch of Santander and talked to a member of staff who directed me to their loan division called Cahoot. He said I could apply on line and it was a pretty easy process, so I said I would do that. I applied on line, filling out all the forms they needed and submitted my request. It had been easy as he had said. After a couple of days, I received a positive response and they approved me for the loan I wanted. This was a good lender to do business with.

Review posted by Ted Caldwell

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I heard about the other division of Santander, namely Cahoot and that they were the on line division for making personal loans. I kept procrastinating about getting a personal loan to pay off my credit cards, I finally came to my senses and realized that I could probably be paying out less than I was, as the interest rates were so high on the cards. I don't know why I waited so long.I went on line and pulled up their website. I read up on their conditions and what they were prepared to do for a customer. It all seemed pretty reasonable so I went ahead and applied for a personal loan. The outcome was very pleasing, I wish I had done it sooner. I was approved with very good terms and the interest rate was exceptionally good.

Review posted by George French

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I am more than happy with the loan I have just got from Cahoot so I would definitely use them again if their rates stay as competitive as they are at the moment. I wasn't looking for anything else in a good loan, just a low APR so that I was paying back too much for the overall loan. If I can comfortably afford the monthly repayments on a loan taken out over a 12 month period then I know I have got myself a good deal. that's precisely what I have got from this Cahoot loan. And I must admit I didn't realise they were the online division of Santander so I've leant something in the process.

Review posted by Jane E., London

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Given that Cahoot are the online division of Santander Bank I already felt good about applying for this loan. I don't bank with Santander but I wouldn't mind giving them a try if this really competitive personal loan is any thing to go by.I had already looked into getting a loan from my own bank but they weren't offering any good deals on short term loans but I didn't want to use one of the specialised lenders that give out short term loans but charge exorbitant rates. I wanted 2K over a 12 month period and affordable monthly repayments so that I would be struggling to make the repayments. That is exactly what I have managed to get from Cahoot and I am more than happy.It would have been reassuring if I could have got as good a deal from my own bank but that's probably why Cahoot seem to be so successful at filling that gap in the loan market.

Review posted by Warren Adams

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I had the urge to upgrade my car as it had started giving trouble and I'm a firm believer that once the troubles start they don't end. I went online to try and find the best deal and stopped looking as soon as I read up enough on CAHOOT. The personal loan is unsecured and fixed which suited me and the company was affiliated to SANTANDER. I applied online and as soon as my affordability was confirmed my personal loan of £8000 was approved and I opted for a 4 year payback period mainly because of the fixed rate. I now have my new car and feel top of the world.CAHOOT are brilliant.

Review posted by Bruno Middleton

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I spent a couple of hours comparing lenders on the readies website before finally deciding to apply for a loan with Cahoot. It was easy to do the comparisons and I would definitely recommend that people use this website if they are looking for a loan. It just made the whole thing so much easier than if I had looked at all the lenders individually on their own websites.The readies website gives you enough information for each lender so that you can narrow your search down before making a formal application. It also tells you a bit about each lender so that you know how long they have been established and most of these lenders are affiliated to bigger banking groups which is good to know. I didn't know Cahoot were part of Santander until now.Readies is a really good website and it has helped me to get a really good loan from Cahoot, so I would almost certainly use them again.

Review posted by Bryan Webster

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Cahoot and Santander are the same company and I only found out when I went on the loan comparison website to look for an affordable personal loan. My boyfriend banks with Santander but he never mentioned Cahoot to me when I told him I was looking for a loan. He did suggest I try Santander for a loan so maybe he didn't know about Cahoot either.Not to worry now because I got a really competitive loan with Cahoot and they have worked out a really affordable monthly repayment plan for me which is going to make my life so much easier. I am using some of the loan money to pay off my credit cards and that means I will have a lot more disposable income each month even after the loan repayment is made.I think I made a really good choice getting my loan from Cahoot and I will remember in future that they are part of Santander Bank.

Review posted by Tina D.

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I'm owning up to being one of those people that need help with filling in the online loan application. I ended up with a phone in one hand and typing with the other while a very helpful guy on Santander's helpline talked me through some of the process. The loan application was with Cahoot who are the online division of Santander Bank for those of you that don't know that little fact.He suggested I go to one of Santander's branches if it made things easier for me but I just wanted to get the application over and done with before the end of the week. We got there in the end and I got approval for a really competitive loan and I am so glad I persevered with it. If I ever need another loan I will still go online to do it but will make sure I have the phone handy and Santander's number on speed dial!

Review posted by Kara M., Bath

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Excellent loan from Cahoot, who it would seem are the online division of Santander Bank. I did not know that but will make a point of telling all my friends in case they do not that either.My loan comes with a rate of 4.2% which I was hoping would be the case but was prepared to be disappointed and get quoted a much higher rate and then have to decline the offer and look for another lender.All that is left to do is for the credit check to be OK which I am almost certain it will and then I'll be given the green light on my loan and I will have the money in my account within the week.

Review posted by John Pickering

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To take out a loan especially if it's for a big amount one has to be sure that the company you're dealing with is professional and won't hit you with small print once you've signed on the dotted line. That is the sole reason I chose to approach CAHOOT for a personal loan of £10000 as I really wanted to do some alterations at home. The fact that they were affiliated to SANTANDER certainly helped but no hidden charges and a fixed rate sold me and so I applied online and within a week I had the money. This was done as soon as my credit worthiness was confirmed.I also signed a debit order so the monthly amount could automatically be deducted from my account for the 48 month loan period.CAHOOT are reliable and efficient and recommendable.

Review posted by Stuart Bertrand

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  • Value For Money

A personal loan of £5000 was what I was after. I had in the past asked for loans and they were all knocked back as according to them I didn't have the credit history they required. For some reason a few years later although nothing much has changed with my finances CAHOOT thought I had enough creditworthiness to approve my personal loan request within a matter of hours. Being a part of Santander made me feel a lot more secure too and I readily signed a debit order for the two year loan period because of the fixed rate. I'm really pleased as I did need the money quite urgently at the time. I'd recommend Cahoot any time

Review posted by Malcolm Smith

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Going online to look for a good deal for a personal loan I saw that CAHOOT was affiliated to SANTANDER and that made me feel a lot better. I also liked the fact that the loan had a fixed rate which is always beneficial if the loan is substantial and the loan period longer.With this in mind we went online and asked Cahoot for a personal loan of £8000 which we'd repay over 4 years via 48 equal monthly instalments.We also furnished them with all the info they required to check our creditworthiness. The loan was approved without much fuss and a few days later we had the money in our account. We also signed a debit order to fascilitate things and prevent missing out on payments.We think CAHOOT are great and will use them again if the need arises.

Review posted by Alvin Barnard

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We were in the process of moving house and we had no idea of the costs involved. Not just costs in physically moving from house to house but also deposits, new furniture, renovations etc. We needed a personal loan so went online and applied with CAHOOT. We'd heard about them and liked the fact they were linked to SANTANDER. We asked for £7000 which we'd settle by way of 36 equal monthly payments. After our positive credit rating was confirmed the loan was approved and we also signed a debit order so the amount could be deducted each month from our account. We were happy with this because the loan had a fixed rate status.All in all CAHOOT were really good.

Review posted by Richard Simmons

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I knew I was applying a bit early but I wanted the flights and hotels all sorted out months before EURO 2016 started hence the early application for a personal loan from a company called CAHOOT which was recommended.I asked online for £5000 which was all I needed to see the games I wanted to see LIVE. Obviously the final would be out of the question. My credit rating was checked out and the loan was approved. They even helped me to structure the repayments so there'd be very little pressure on me.In a matter of days we had the money and my plans were then put into action. I thank CAHOOT for their efficiency.

Review posted by Steven Palmer

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I'm still not really sure how loan companies and banks work out how much interest to charge you for your loan but I am happy with my 4.5% even though Cahoot were advertising a possible 4.2%. What do you have to do or maybe not have done to qualify for their very best rates? My credit rating is good, so maybe it should be very good. I'll have to work on improving that in case I need to get another loan in the future. Maybe someone should run evening classes to teach people like me how to manage their money better. I did think about asking Cahoot why I didn't get the 4.2% APR but my friend said don't look a gift horse in the mouth, whatever that means!

Review posted by Beth Rogers, Stratford, London

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I am sure I am not the only person to be surprised to find out that Cahoot are part of Santander Bank. I don't think I have ever seen an advert for Santander where they mention Cahoot. Anyway it doesn't really matter now because I have just been approved my personal loan with a really competitive 4.5% APR..Even if Cahoot weren't the online division of Santander I would have chosen them for this loan because I liked every aspect of what they were offering and getting the 4.5% APR was a pleasant surprise because I thought I might not be eligible for anything near the advertised 4.2%.It just goes to show that you don't have to rely on your own bank when you are looking for the best possible deal on a loan, although if I banked with Santander, which unfortunately I dont, I'd have got the best possible deal any way.

Review posted by Steve Hadlow, Buckhurst Hill

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Taking out a loan has always seemed like a very lengthy and complicated process to me, and this has definitely put me off in the past. However, with so much choice now, I decided that it was finally time to do some research - and maybe I could at last get round to finishing the extension on the house! Getting a personal loan is normally considered as something you would go to your personal bank for, however I found that cahoot actually offered me a much wider choice of options, and their interest rate turned out to be better than what my own bank could offer me, even as a long term customer.

Review posted by Laura Baker

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I read quite a few reviews before making a decision about which loan provider was the right one for me. The thing about loans is, they can be used for so many different things, and every single situation and application is different. This is what made it difficult to know who to go to, but using a comparison site, I discovered that Cahoot were the right company for me. My personal experience with them has been more than satisfactory, and if they look like the right company for you and your needs, I can highly recommend their money lending services.

Review posted by Ophelia Phoenix

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Cahoot is part of the Santander group, but they specialise in money lending. After reading some positive reviews, I made an application to see what loan terms and interest rates they could offer me. I was pretty sure I would be approved because my credit history is good, but what I wasn't expecting was the fantastic rate of 4.2 percent APR. This is a much better deal than I've had with other loan companies in the past, and the rate will remain the same for the whole duration of the loan period. Whether you choose Cahoot, or go direct through Santander, this is the place to find the best rates.

Review posted by Mickey Peters

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I've gradually been doing up my house ever since I've bought it. Unfortunately it's been a really slow process as I've only done things as and when I've had the money. I am so close to finishing it finally, but the last investment I need to make is a new kitchen, which is quite a big one. I'm really sick of living in a building site now, so decided to take out a small personal loan to just get this last bit done. Paying the extra interest is definitely worth it to be living in the home I want rather than trying to live in something half resembling a building site. Taking out a loan with Cahoot has actually been really stress free, and the interest rate was even less than I was initially expecting.

Review posted by Sal Greening

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My wedding in May wouldn't be going ahead without this loan from Cahoot. I want to thank them and say how happy and relieved I am to have got this loan. My partner applied for a personal loan and got refused by his bank and we were worried we might have to postpone the wedding. Instead we decided that I should apply for the loan because my credit score is pretty good and so that is what we did.I didn't go to my bank because they had already refused my partner who banks with them also. Instead I went online and started looking at alternative lenders and thats how I arrived at Cahoot. They are the online division of Santander who are a good bank and my partner is already saying he is going to change banks and go with Santander and who could blame him. I will probably join him as we will be husband and wife soon after all.

Review posted by Tracey Ann, Belvedere, Kent

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It feels really great to have got such a good deal on this personal loan from Cahoot. I wasn't confident that they could beat my own bank with their rates but it has worked out that they are much more competitive than I had expected. By the time my online application had gone through my credit check must have gone very well because Cahoot were able to offer one of the lowest APRs of all the ones I had seen advertised and I was absolutely delighted with the outcome. I shall make sure I keep my credit rating high just in case I need another great loan from Cahoot in the future.

Review posted by Steve Tydsdale

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With my fathers heart condition getting progressively worse, I was really worried about him. He lives in Australia and at a time like this it is really hard that he is so far away. With flights being so expensive, I just didn't have the spare cash to simply book a flight and hop on a plane, but thankfully Cahoot were there to help me. I applied for a loan in order to cover the costs of the trip, and their service was quick and ease to use. I fitted all their relevant requirements so received an approval and the money transfer the same day.

Review posted by Nataly Taymen

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Towards the end of last year my monthly outgoings were much higher than normal. Of course Christmas took its toll on the bank balance like it does with everyone, but I also had my cousins wedding to attend (which meant buying a new outfit and a gift), and it was my other half's birthday. I didn't want to start the new year with so much debt hanging around my neck, and the overdraft fees I was getting charged by my bank were really costly too. Taking out a loan with Cahoot was fast and uncomplicated, and has allowed me to start off the new year with a clean slate.

Review posted by Alice Glennings

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Last month it was my parents fiftieth wedding anniversary. They have been through so much together and I'm so proud of them, but I know how frugal they are with their money, and they never treat themselves or splash out. I decided to take out a personal loan in order to be able to book a really special weekend away for them, and if it was all booked and paid for, they'd have to go. Cahoot was a great financial provider, and their staff were very helpful. The money went in to my account last week so now I can book my parents the trip that they more than deserve.

Review posted by Susie Whitby

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Cahoot being the online division of Santander was news to me. I had heard the name before but never connected them to Santander. When I decided to get a personal loan I approached my bank first and made enquiries without making a formal application. They weren't offering a particularly good rate for the amount I wanted to borrow and so I started searching online for a more competitive loan and that's how I came across Cahoot and discovered their connection to Santander. It would seem Cahoot are giving non Santander customers just as good a deal as their existing customers which is very reassuring. If I actually banked with Santander I think I might even have got a better deal because they offer special lower rates to customers with 123 current accounts. The fact is both Cahoot and Santander are beating my own bank with their very competitive rates and so as well as getting this very good loan from Cahoot it has also given me some food for thought about what exactly my own bank do have to offer me.

Review posted by Raymond Belcher, Worthing

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I was delighted when Cahoot approved this personal loan for me. It means I can help my daughter and her partner with their wedding costs and see my daughter walk down the aisle before she becomes a mum and not after. I'm not particularly old fashioned but I really did want my daughter to get married before my first grandchild arrives and it was only money that was stopping that from happening.Being able to get this small and affordable personal loan to help with the cost of the wedding is something I am more than happy to do. My ex husband is hoping to be able to contribute to the wedding as well so between the two of us we should give our daughter a lovely wedding.Once our grandchild is here we will have lots more things to spend our money on I am sure but this loan is spread out over a 12 month period which is ideal for me. I would definitely consider Cahoot for any other small loans I might need to take out in the future and with a grandchild on the way I suspect that might be sooner rather than later!

Review posted by Cathy Smith, Romford

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I would have loved to have got the 4.2%APR Cahoot are advertising but as good as my credit rating is it's not perfect and so to get 4.9% on my loan was more than acceptable for me. It still works out at a very favourable rate and the monthly repayments are less than I thought they would be which makes this loan even better for me.I had a little bit of confusion as to who I should speak to when I had a couple of queries because the only telephone number I could find was for Santander. I know that Cahoot are the online division of Santander but I still thought I should be speaking to a Cahoot member of their staff. It was just a minor issue because I was able to get the response I needed fairly quickly and proceed with the loan agreement.All in all I am very happy with this loan and I am quite impressed with the Santander/Cahoot set up so would definitely recommend them to friends and family.

Review posted by Victoria Sullivan, Woodford Green

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Excellent service once again from Cahoot. My husband took out a loan with them recently for car finance and was very happy with the service Cahoot provide. He thought I should try them for this personal loan as their interest rates are one of the most competitive at the moment and being able to apply online makes things so much easier for me as I work from home. They are part of the Santander bank which we only found out when my husband got his loan so that was a very reassuring thing to know because Santander has a very good reputation and we feel we are in very good hands with both our loans.

Review posted by Brigitte Dafoe, Windsor

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Not all parents can afford the cost of paying for their daughter's wedding these days and the majority of them usually take out a loan to pay for it. We weren't expecting my parents to do that so instead we took out a loan ourselves. That way we would not have to worry about how we spent the money. My dream wedding involves a a lot of things that my parents would balk at the thought of paying for. If I am paying for it myself they don't have any say in the matter.So this personal loan from Cahoot might seem like I am doing a very unselfish thing but the fact of the matter is I am being totally selfish because I want to have complete control over my dream wedding and the only other person that will have any input is my fiancee whose suggestions will be duly noted and ignored! Like I said, I want total control and I don't care if everyone thinks I am a 'bridezilla'.

Review posted by Claire Royston, Barnstaple

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Cahoot are the official online division of Santander and I never knew that until I started my online search for a competitive personal loan. I also discovered that Hitachi did loans too and if I had been unable to get my loan from Cahoot I was going to try my luck with Hitachi.I found the loan comparison website Readies very helpful and would definitely use it again. It made it really easy to work out which loan would suit me best. You don't have to be particularly good with figures to see at a glance what the overall cost of your loan will be. Once I had that sorted I could go straight ahead and apply online instead of having to pay a visit to a Santander branch. I would definitely give Cahoot a 9/10 score because when it comes to value for money every customer would like an even lower interest rate no matter how competitive it is.

Review posted by Fiona Newland, Hythe, Kent

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I was surprised to discover that Cahoot were the online division of Santander Bank. I had heard of Cahoot before but never associated them with Santander Bank. Now that my personal loan has been approved by Cahoot I feel very happy with my choice of lender because Santander Bank have a very good reputation within the banking world and I have several friends who bank with them and say how good a bank they are. Because I was borrowing quite a large sum of money I really did want to make sure I got a very competitive rate and I do feel I have done so with this Cahoot loan.

Review posted by Jan Bairstow, Ilford

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Cahoot unfortunately didn't offer me the very appealing 4.2% APR that first attracted me but the overall package with a fairly decent 4.5% APR was good enough for me and so I didn't have to take too long to decide to go with them for this personal loan. I found their website very easy to follow and the whole online loan application went through very quickly. I had no problems with it at all but it was handy to have the Santander helpline to ring if needed. I would definitely use Cahoot again if I need another small loan in a hurry because they have certainly processed this loan for me in excellent time and today they have confirmed the funds are being transferred into my bank account which means the whole thing has taken less than a working week. Great service!

Review posted by Michael Alderton, Cheshunt

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I've been having a pretty rubbish year or so and really needed a girly pick me up. I live comfortably on my wages but with little to spare each month. I really really wanted to treat myself to a spar and shopping spree as summer is almost here! I've used CAHOOT before for other small loans to do things around my flat so decided to apply for another loan, but a personal one this time. I borrowed a couple of thousand, my payments were around 130 a month, witch was completely worth it! I'm super happy with my finance agreement and would so use them again! Thanks guys!

Review posted by Maggy

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As an owner of a small business sometimes things get tight with my own personal costs and I can't make every month break even but I'm over all doing well and very committed to making it work so after a particularly bad couple of months I need a bit extra cash to stay on top of things. The logical step forward was to look into some kind of finance. A CAHOOT personal loan was the best type of loan on the market for my needs so I set ahead in applying for one. My experience with the cahoot team was good and the loan has worked really well for me. It's nice to know that if this happens again I won't be left in a panic.

Review posted by Jason Lems

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My chap was about to turn 30 and I wanted to do something super special for him , I thought about a holiday but I knew he'd prefer something involving his mates so looked into a surprise party for him... And wow did the cost mount up! It was actually my dad who suggested looking into a loan of some sort. I had a shop around and applied to a few different companies but cahoot seemed to have the best rates for the type of loan I needed. I was quite shocked at how easy it all was to set up. From quote to acceptance to getting the cash released. I was super impressed!

Review posted by Peta alzbera

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I have just taken out my first personal loan with Cahoot after researching loans for days and coming to no conclusion on what was the best option for me. Then I found the website readies and came across Cahoot so decided to fill in the online application and i must say I was extremely impressed at how straightforward it was. All I had to do was fill out the application form and submit it! I was then told pretty much straight away I was accepted! The funds had been approved and on their way to my bank within a matter of days, I received a loan of £20.000!! Now i have my own car and also have my own business. Thank you Cahoot!

Review posted by Daniela West

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The application process was actually a bit longer than other reviews state and I'm not sure why but it was ok as I wasn't in a desperate rush.They requested more information on top of the online application and a couple of phone calls but that was ok too as it gave me a chance to speak to a really helpful employee who talked me through it all in detail. I am very happy with the outcome and got the loan I wanted with better terms than other companies out there. I'm happy with payment plan and that its direct debit. Once the application process was complete, I was funded in 24 hours. The customer service was good and I highly recommend Cahoot if you're looking to see some light at the end of your money tunnel.

Review posted by Jim Davies

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I found myself in a lot of debt with no end in sight. After attempting one well known company already I was denied due to strict guidelines regarding unsecured debt but they wanted to charge astronomical interest rates anyway I'm so glad I keep searching as I then found Cahoot. I started the very simple online application but decided to call the customer service line to get a better understanding of it. The next day a loan analyst called to confirm my information and by the next day I had received an approval email. The funds were deposited into my account the next business day and I now don't have to go to bed worrying every night! My loan payment is taken monthly out of my account which is ideal if you're like me and forgetful! Would definitely recommend!

Review posted by Lynn Wood

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Since this is my second personal loan with Cahoot I thought it was worth leaving a review that might help others make a decision, they qualified me for my loan really quickly and gave me a very competitive rate when others did not! I am a very qualified buyer so I'm sure that that had something to do with it however some other companies still like to give you the runaround and Cahoot does not. The website is straightforward to navigate and I like that they kept me updated. Have used them twice now and would absolutely use again as well as recommend to anyone looking to take out a fast loan with no fuss and very good rates.

Review posted by Bill Woodford

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Our kids have been crazy nagging us for a tree house since the kids two doors down got one, we decided to look into what types would fit in our oak tree at the bottom of the garden and discovered they cost a small fortune! So needless to say we had to look into how we could make this a possibility for the children's Christmas gift. We had used cahoot before when re doing our bathroom so it seemed a no brainer to contact them again. Both our experiences were pretty much the same, we even got to deal with the same cahoot employee as requested witch made it all so much more of a breeze! They really are such an efficient company with such fab staff. Very happy with both the services provided!

Review posted by Wright family

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Getting a 4.2% APR would have been brilliant but realistically I knew that was never going to happen so I wasn't disappointed with the 5.4% Cahoot offered me with this personal loan. It was still way better than the 5.9% my own bank had quoted me a few weeks earlier. It was because I was so disappointed with my banks offering for this loan that I decided to do a bit of research online and try and find a better deal. My efforts have definitely paid off because this loan from Cahoot not only has a far better APR but the terms and conditions of the loan are very good. There's nothing that I didn't feel happy about signing up to, no pages of legal jargon in small print, just a clear and straightforward loan agreement that even I could understand. Well done Cahoot, you've got yourself a new fan in me!

Review posted by Jo Foxton, Fulham

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Well blow me down! I never knew Cahoot were part of the Santander Bank. I don't know how that went passed me all this time without me realising it. My mates always say I am a bit of a know it all but I didn't know that little snippet of info. I won't forget it now that I have just got a personal loan from Cahoot, not Santander mind you, because they offer loans as well. which I am still puzzling over. Can't quite make out the difference between them because they both have an online loan application which is almost identical and if you have any problems you can call in at any Santander branch to sort it out. Either way I'm getting a great loan from Cahoot and/or Santander whatever they want to call themselves.

Review posted by Denis Rawlings, Gidea Park

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I am very pleased with the personal loan I got through Cahoot and would definitely recommend them to family and friends. I had no idea they were part of Santander until I started my online application and because I have several friends who bank with Santander I was curious to see if they all knew that Cahoot were the online division of Santander. Of course we did they all said but I bet a couple of them had no idea. Now that my loan has been approved I have been giving some thought to changing banks because I was a little bit disappointed that my own bank couldn't offer me such a good deal. I'll probably wait and see how this one year loan goes before jumping ship but I do rather fancy the idea of banking with Santander now as they seem like a really forward thinking bank which is certainly not how I would describe my current bank! But if I do stay I will always have the option of using Cahoot for loans which is nice to know.

Review posted by Susan Alleyn, Dawlish

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I couldn't wait to ring my fiance and tell him that Cahoot have just approved my personal loan and he is as delighted as I am because it means we can start planning our wedding. We agreed that I would take out this loan to pay for all the things that required deposits upfront for the venue and catering. The venue was the most important thing because we have chosen a place that is so popular you have to book at least 12 months in advance and as we are planning to get married in September 2017 we didn't have a lot of time left. As soon as the loan was approved I got straight on to the venue and booked the date and will be securing it with the deposit as soon as the funds from Cahoot arrive in my bank account. Once that is ticked off the list I can relax a bit and really start to enjoy planning the rest of my wedding as the last thing I want to do is turn into a bridezilla!

Review posted by Stephanie Ryan, Beckenham

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Cahoot have approved a very good personal loan for me and I wanted to say how happy I am with the way this loan application has been handled by them. I know most of it is done online and so there isn't one particular individual to thank with the exception of the person at the Cahoot call centre whose name I forgot to ask but who was extremely helpful when I had a couple of queries. They were very friendly and were able to answer all my questions satisfactorily so I was able to go ahead with my loan application without any doubts about whether or not this was the right loan for me.

Review posted by John Newland, Harpenden

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Most people of my age take out personal loans to buy a car or pay for a holiday but my loan is to buy a beautiful horse that I first met at the riding stables I go to and as soon as I heard that the owner was selling him I just knew I had to have him.My parents were a bit concerned that I'd be taking on too much financial responsibility and were quick to point out that owning a horse is a much bigger deal than just riding one every week at my local stables. But I just knew I was ready for this commitment as long as I could get an affordable loan to pay for it.Cahoot have made this all possible with this brilliant loan that is more than affordable and the current owners of the horse are really happy that I am buying their horse and have even offered to give me free stabling for the first year to help me get established in my new role as a horse owner.I really can't thank Cahoot enough for approving such a great loan for me and for doing it in such a short period of time. Several other riders at the stables were interested in buying this horse and I could so easily have missed out on owning this beautiful creature whose name happens to be Bailey!

Review posted by Megan Allwright, Godstone

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Of course I'd heard of Santander and I have friends who bank with them but I hadn't heard of Cahoot before now and was surprised to see they were the online division of Santander. I'm not sure why they chose to name them Cahoot but maybe it's because you don't have to be an existing customer of Santander to get a loan from them. Whatever the reason I am really glad I came across them on the loan comparison website. I applied online and got an instant decision and once all the checks were done and the loan was finalised my money came through in less than 24 hours. I can't say enough good things about Cahoot. They really were a very pleasant surprise for me and I am thrilled with the loan I have got from them.

Review posted by Danielle Roper, Edenbridge

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This is the second loan I have had from Cahoot and once again I seem to have struck lucky with the great APR they are charging me. 4.5% is a really good rate compared to what my own bank were quoting me and that's twice now that they have lost out to Cahoot. Next time I need another loan I think I'll just bypass my bank altogether and just go straight to Cahoot again. I really hope they can continue offering such competitive loans and if my own bank don't do something pretty soon to impress me I might consider moving my bank account to Santander and if I do I reckon I'll get even better deals on my loans. Definitely something to consider!

Review posted by Jon Bowman, Croydon

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This is a really good loan I've got from Cahoot and it isn't too much trouble for me to post a review to say how pleased I am with how this whole process has gone. Usually when you get a quote for anything the reality turns out to be a lot different and generally not for the better. That hasn't been the case for me with this loan. The quote Cahoot gave me was pretty accurate and I am more than happy with the final loan agreement they have set up for me. A really competitive APR of 4.7% with convenient and affordable monthly repayments is all I was looking for from a loan and that's exactly what Cahoot have given me. I'd definitely go to Cahoot if I needed another loan, they have been a pleasure to deal with and I'll be recommending them to family and friends without a doubt.

Review posted by P. Whitelaw, Southampton

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