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Monzo: Personal Loan reviews

Name: Personal Loan
Rating: 4.93 (119 reviews)

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4.91

Based on 119 reviews, last reviewed 14th Feb 2026

500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

96%

3 star

2 star

Latest highest rating:

5

Amazing they are very helpful the only bank that hel... Amazing they are very helpful the only bank that helped me loads of perks always Reviewed on: 14th February 2026

Latest lowest rating:

1

Poor Loan Service too expensive compared to competitors I was granted for a loan up to £16k but the APR was expensive. I managed to get one with a competitor for 4.9%. How can we support a bank we are co... Read more Reviewed on: 12th March 2023

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About this product

Monzo personal loans are available for up to £25,000.

In the Monzo app, your loan sits alongside your pots, so you can see the progress you're making. You can also give it a name and add an image of your choice.

Monzo personal loan reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

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Monzo Personal Loan reviews (119)

The best app

Monzo has always had the best app for clear and concise information. Applying for a personal loan and weighing up your options is easy. Reviewed on: 3rd March 2023

Vasile Bondaret

It's the best this bank I like this bank Reviewed on: 3rd March 2023

The best Bank I ever used, I had 2 different Banks before, and after using Monzo for over 5 years I decided to have as my main account.

Easy to use, I'm in full control over my money, great customer service when needed, loads of benefits including overdraft and flex pay. Reviewed on: 3rd March 2023

Great personal loan service

Very easy, fast & efficient service with the funds credited on the same day Reviewed on: 3rd March 2023

Amazing Monzo!!

Always happy to help, quick and easy to apply and ask questions DM style! Reviewed on: 3rd March 2023

Easy to apply for, manage and would highly recommend

I think my all round experience as a Monzo customer has been a level above any other bank that I have experienced, could not recommend enough! Reviewed on: 3rd March 2023

Amazing

Monzo is the best bank I have ever had. It is easy to use. Good for begginers. Very good and efficient customer service. I am a happy customer Reviewed on: 3rd March 2023

Easy to manage

Getting the loan was easy as they already had enough information to preapprove a certain amount. I also appreciate the way the app lets you manage your payments including and the fact that there are no penalties for paying your monthly installment early. Reviewed on: 3rd March 2023

One of the best banks in uk

I have the most best amazing experience with monzo I swear just can’t express in my views just get the account and feel it your self.. Reviewed on: 3rd March 2023

Customer-focused great loan

The loan came like a dream and I didn't believe it. I had to leave the money untouched for 24 hours in case it was a mistake. But it was real and the interest rate was very reasonable and competitive. Reviewed on: 3rd March 2023

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