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Monzo: Personal Loan reviews

Name: Personal Loan
Rating: 4.92 (122 reviews)

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4.92

Based on 122 reviews, last reviewed 6th Mar 2026

800% 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

I have had no problems with this bank in all these y... I have had no problems with this bank in all these years, I only use Monzo for my funds, they are the best Reviewed on: 6th March 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 (122)

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

Excellent

Excellent !!!! fast , easy and clear service very safe I recommend everyone to have a Monzo bank account Reviewed on: 3rd March 2023

Best service ever!

I took a Loan with Monzo, and it was simple and easy….and best of all: A decent interest rates. Thanks for helping me out when I needed you the most. Reviewed on: 3rd March 2023

Great friendly and helpful

As a monzo customer I have used a range of their services all of which have been second to none. Every agent I have had contact with had always helped solve my queries and set up payment plans suitable to my needs Reviewed on: 3rd March 2023

Best bank and the best loans

I have a Monzo loan and this is the only bank that provides cash back each month. So not only do I get a good rate but I’m also getting money back that I pop into my savings. Need I say more. Keep it up Monzo Reviewed on: 3rd March 2023

Super easy application

The application was super easy and approved instantly, highly recommend Monzo Loans. Reviewed on: 3rd March 2023

Cares

Me care about my parents to need help with my Reviewed on: 28th February 2023

Best loan management interface

Wow - never had such a great personal loan management experience (had 4 different providers) Reviewed on: 19th February 2023

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