Very disappointed with this service! its as if paying early is a crime with punishment of being declined of any future loans. I logged in to take out a loan and got the sorry you have to wait a month to apply message which I did. I reapplied a month later only to receive another apply again in a month message. I have never had a late payment or outstanding loan. I choose to pay early because I could afford to pay off my loan in full and because the interest rates waiting the full 3 months term was beyond ridiculous. I have an ok credit history so cannot understand why I would've been declined especially since they have given me a loan before. Waste of my time! if you have time to waste then use QuickQuid