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Monzo: Personal loan reviews

Name: Personal loan
Rating: 4.80 (130 reviews)

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4.80

Based on 130 reviews, last reviewed 11th Jun 2026

40% decrease 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

Monzo the greatest bank Monzo the greatest bank, helping Po eple escape poverty, Reviewed on: 11th June 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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Awards

Best British bank 2026

Awarded to the bank rated highest in UK customer reviews.

Monzo Personal loan reviews (130)

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

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

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