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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)

Incredible service!

Amazing service. Easy to use and extremely helpful thanks monzo!! Needed the loan to improve the living room and kitchen. Reviewed on: 3rd March 2023

Excellent

So flexible and also understanding, more than a normal bank Reviewed on: 3rd March 2023

Your are my number 1!!

Excellent service friendly staff whenever need to speak to someone and the app is really easy navigate. Definitely will recommend to family and friends Reviewed on: 3rd March 2023

Straight forward loans

The whole experience was so simple. Everything was laid out very clearly. I felt in control of the amount I borrowed, the length of time to pay back. Very happy with service. A bank I'm very confident of dealing with Reviewed on: 3rd March 2023

Monzo is by far the best Bank

I've now been with Monzo for my main account for 5 years and whilst I have other traditional and digital accounts it is still the main one for me and for many reasons. Great customer service, easy to use app and products as well as a great UI Reviewed on: 3rd March 2023

Amazing

Since switching to monzo I have been given a new window into my money and financial arrangements and it’s been GREAT! Reviewed on: 3rd March 2023

Easy and fast

Needed a loan to consolidate my other debts Monzo was definitely the right place quick and easy to process and money in the bank within 2 mins thank you monzo Reviewed on: 3rd March 2023

Quick and easy

Just need to clear up few details and the credit score it’s so easy and quick to get a loan in Monzo then other banks Reviewed on: 3rd March 2023

Best Bank about!

I love how user friendly and easy to manage my loan is on the app. Customer service and experience is second to none. Reviewed on: 3rd March 2023

No fuss loan fast

I've been with Monzo about 5 years now, best bank hands down, loan was easy to apply for with a quick decision, well recommended. Reviewed on: 3rd March 2023

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