Human Lenders?

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The simple answer really is your own bank. But even then applying online will be good enough in most cases.

Your bank should know you best and see how your finances are from month to month.

For instance I have little chance shown on The Money Club for credit products, because it doesn't take into account my current account and savings account.

My bank does, because they see them and therefore, it doesn't stop my bank offering me loans of £7,500 -£15k at the representative rate and yes my last 2 loans I have been accepted for have been at their rep rate.

IIRC there is now a way, whereby you can give access to such information to lenders, when you apply. Or am I mistaken.