I had never heard of car money before. I saw a car on the RAC used cars and decided to apply for credit through car money. Emma dealt with my enquiries and literally the same day came back with an offer of a personal loan. The rate was very low indeed. The finance was with Ratesetter (never heard of them either). I was sent a link the same day to sign but I was hesitant. I kept asking questions and all was replied promptly. The next day at around 3pm I signed the agreement online. I waited and by 11am the next day the loan had been transferred into my account. I cannot rate Car money enough. I highly recommend them. The only thing that had me worried was when I sign I got a text saying the money had already been transferred to the dealer of the original car I looked at. I was confused as the money was meant to go in my account being a personal loan leaving me free to buy whatever car I want. I called them and was assured that this was just an automated text sent based on my initial enquiry. Apart from that automated text the transaction was smoother than with a high street bank.