Wasn't even planning to try Renmoney but my mechanic shop needed quick cash for spare parts so I applied. Processing was actually smooth and I got approved in like two days which surprised me honestly. The loan terms are fair and repayment has been manageable sef. My only real complaint is the app interface sha — it's confusing to navigate and took me time to figure out where to check my balance and payment schedule, but customer service on WhatsApp was helpful when I got stuck.