Monzo’s approach for credit cards, mortgages & loans is that they’ll let other providers offer them. Tom mentioned in this video that
The idea of one bank providing every service (mortgages, credit cards, p2p lending etc.) is no longer credible
& as he mentioned in the above talk
the aim is not to be balance sheet heavy
when asked, he also said that a 3rd party would provide P2P lending services.
Having said that, he did propose a solution for P2P lending in this talk
& mentioned the overdraft market (Monzo will be offering overdrafts) in the same sentence…but that talk was given a while ago though - probably before the product roadmap had been decided upon.
So I expect the answer for now is Monzo won’t offer this in the app.