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Home Improvement Loans with Monzo

If you're renovating the kitchen, painting the bathroom or sprucing up the bedroom, you could use a Monzo Loan to pay for it.

Choose your repayment date, and make extra repayments (or pay it off completely!) for free.

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

Keep on track with the Monzo app

Get a loan of up to £15,000 and you could use it to increase the value of your home.

Then, stay on track of your payments with the Monzo app.

Your loan sits alongside your daily spend and Savings Pots, so you'll always have visibility and control.

Increase the value of your home

By adding building extension, doing a loft conversion or converting your basement.


Give your bathroom a new lick of paint, replace the sofa or re-carpet your bedroom.

Get started on that DIY

Finish building your garden shed, build that new garden fence or deck out your garage.

Easy to apply

Find out what you can get in minutes in the Monzo app, without affecting your credit score if you check.

We don't charge you sneaky fees and it's free to make early repayments.

You choose your repayment day, for when suits you.

Give your loan a purpose

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.

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.