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Avoiding Over-Indebtedness: Damaging Credit Scores for Early Adopters: In the early stages of a digital credit roll-out, the lender is often still tweaking its underwriting algorithms.

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The Credit Union is a non-profit financial service that is community based and provides loans to members at attractive low interest terms.

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because I have planned ahead and applied for the loan in plenty of time so that I don't have to use the fast process and therefore pay 20 quid on top of what the loan is already costing me.

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If you are not a member of a credit union, you may want to think about joining one.