FAQs

You can apply online at our websides by completing our short application form here. It only takes a few minutes.

You must be 18+, live in the UK, have a regular income, and a UK bank account.

We assess applications based on affordability, credit history, and the information you provide. If declined, we'll email you with general reasons.

Yes, we perform a credit and affordability check as part of our responsible lending practices.

If approved, funds are usually sent within hours. Bank processing times may vary.

You:'ll receive your loan agreement to review and sign. Once signed, we'll send you your funds.

Yes, you can cancel before funding. After funding, you have 14 days to withdraw by contacting us.

Contact our support team with your account details and we'll process your refund promptly.

Log into your account to see your full payment schedule including the next due date.

Payments are collected automatically. You can also make a manual payment through your account or contact us.

Yes, you can repay your loan in full or make early payments anytime without penalties.

We'll notify you and offer support. Please contact us as soon as possible to avoid additional charges.

We don't charge any fees to take out a loan. A fee may be charged for late repayment. Repayment fees are always capped and will never exceed a set limit.

Please get in touch right away. We can discuss your options and help you avoid falling behind.

Yes, if you're struggling financially, you may be eligible. Contact us to discuss support options.

Email, call, or use live chat to explain your situation. We'll work with you to find a fair solution.

Visit our login page and use your registered email and password.

Log in to your account to make updates, or contact us and we'll help you.

You can update your email address, phone number or address by logging into your account or contacting us.

Click "Forgot password?" on the login page and follow the instructions.

Yes, we use encryption and follow strict data protection rules.

If you suspect fraud or see suspicious account activity, contact us immediately.

Please let us know straight away. We will investigate and take appropriate action to protect your identity.

We never sell your data. We only share what's necessary for your application and account management.

We're available via live chat, email at support@monixa.co.uk, and phone on 0330 027 0685.

Our team is available Monday to Friday, 9 am - 5 pm.

Please contact us by phone, email, or live chat. We'll investigate and get back to you within 8 weeks.

You can contact organisations like StepChange, National Debtline, or MoneyHelper for independent support.

You can escalate your complaint to the Financial Ombudsman Service. We'll provide details in our final response.

We assess your application using credit and affordability checks, along with Open Banking if you choose to enable it.

It may help us understand your financial picture more clearly, but it doesn't guarantee approval.

Yes, log in to your account and go to the "My Loan" section.

Yes, timely repayments can positively impact your credit score.

You must repay your existing loan in full before applying for a new one.

Eligibility for a new loan depends on your repayment history, credit file, and financial situation at the time of application.