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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 14.8% for loans more than £10,000, up to £25,000. For loans up to £10,000 it’s 25.4%.

Keep on track with the Monzo app

Get a loan of up to £25,000 and you could use it to improve 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.

Improve your home

By finishing that project, smartening up your garden or adding new appliances.


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.

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

Choose a repayment day that 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.

Message bubbles with squiggles and a heart in them

Human help, when you need it most

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.

The best way to get in touch with us is via in-app chat to discuss your circumstances with a financial difficulties specialist and find out how we can support you. You can also see how we can support with money worries if you experiencing difficulties.

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