Once you full Monzi's simple on the spot loan application , we'll get to work trying to find you a lender. Lenders want assurance that they may get repaid, and credit score scores is usually a nice indication of whether or not a borrower can or can't. So, for example, when you borrow £a hundred, you will never should repay greater than £200 in curiosity, charges & capital reimbursement, together with the original cash lent.