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Loans from Monzo

Whether you’re planning your big day, renovating your house, or just need a little extra when life gets in the way, our loans are a helping hand.

Loans, the Monzo way

Say goodbye to long, complicated application forms. Answer three quick questions to see if you can get a loan with us.

Then we’ll show you what you could borrow and how much it’ll cost you, all without affecting your credit score.

If you are eligible, 3.7% APR representative on loans of £7,500 to £15,000, and 19.5% APR representative on loans up to £7,500.

Flexible repayments

Choose a repayment date that suits you, and change it if you need to (there's no fee!).

Get your money on the same day

There’s no waiting around. We’ll put the money in your account the same day.

No fees to repay early

We won’t charge you to pay off your loan early, or make extra repayments if you like.

You're in control

Choose how much you want to borrow and for how long. See at a glance what you’ve paid, how much is left to pay, and how much it costs.

Choose a repayment date that suits you, and change it if you need to (there's no fee!).

Give your loan a purpose

Whether it's a car loan, a home improvement loan, or to bring all your monthly payments into one place, give it a name and add an image of your choice.

Your loan sits alongside your pots, so it’s easy to see the progress you're making at a glance.

And choose the amount that suits you, whether it's £200, £5,000 or £15,000.

A loan within the Monzo appA loan within the Monzo app

Human help, whenever you need it

We want you to feel comfortable telling us when something’s wrong (whether that’s struggling with your mental health, losing your job, or something else).

If you need some extra support, we’ll do everything we can to help you get back on track.

Every customer gets access to 24/7 customer support through the app or you can email or call us at any time.

We also provide tips on managing your loans and your debt in the loans help section on our blog.