Yeah, I had enquired about how I could change the entered fields after the submission just to see if it altered anything at all. Just in case I suddenly became a pro footballer and i still didn’t get offered a loan. 
I was told they were meant to be making the information that is used towards calculating your monzo loan score visible to you so you could confirm their understanding is correct. Another 
My scores were perfect (went down slightly lately when I opened another account to get the interest rate) and was offered nothing when I last checked. Was curious what they would offer so no loss.
I think Monzo are heavily weighting balance in your account. They have mentioned activity as a factor previously too.
I use it all the time but only for monthly spend. Although I’m not spending more or less since opening my Monzo account. 
pure magic?
Same here, every other penny is in interest earning accounts.
Edit: Apparently I’m eligible for a loan of up to £15,000 now, I haven’t checked in a while
Yes very strange - I don’t want a loan but despite having a very strong credit scoring across multiple providers- including Monzo’s rather obscure one - I’m not eligible either! If Monzo wants to make more money from loans I think they need to relook at their acceptance criteria! 
I went from not offered a loan due to my “income and outgoings” - I don’t bank with Monzo so my balance is zero - to being offered one after entering my salary. It’s now gone back to no loan available.
I don’t want a loan but for anyone that does, it appears Monzo are tinkering with their lending criteria.
Hey Phil 
I’m a backend engineer on our credit decisioning team. For context there are a few things that could have changed your eligibility:
(a) we introduced in-house credit scoring (to replace using credit scores from our credit reference agency) in July - a lot of people will have been made ineligible (or eligible) by this
(b) we get new data from our credit reference agency every month that may change your eligibility
© some of our credit decisioning rules are based on internal data about how you use Monzo: this will change all the time and affect the decision you get
(d) your data may not have changed at all, but you may have been made ineligible because of changes to our rules over the last few months
I’m not sure which of these is likely in your case but if you send me your email, I should be able to take a look into it!
Like how autocorrect has changed the numbering on your 3rd paragraph 
Anywhere else I also got a loan without delay.
But monzo says my credit score is too low. That would be surprising.
Just wondering: could it be because we only use our joint account and never the individual ones?
I have the feeling that joint account users are often excluded from Monzo new tools.
I would appreciate to be assured you take us seriously too.
For example, using your overdraft allowance forces us to transfer from the individual accounts to the joint one. Not really a first class service equal to single users.
I don’t think it will be that - I know it’s not ideal that you can’t get an overdraft on a joint account (credit decisioning is quite hard to do with joint accounts) but using your joint account won’t have any effect on your individual eligibility for a loan. All of our internal rules that look at Monzo usage cope as well with joint accounts as with individual accounts.
If it’s any consolation we’ve grown the lending team a lot and we’re working on this stuff - we obviously want you to be eligible just as much as you want to be eligible!
@samrobinsonadams I’m curious, are people that work in the credit decisioning department allowed to receive credit from Monzo? Being one of the ones that creates the algorithms to determine eligibility, could that allow you to game the system so to speak?
Just wondering out loud 
Yes, but unfortunately I’m not eligible
Is this being worked on or is it one for the future?
Monday morning…
if ($customer->name === 'Sam Robinson-Adams')
{
$this->setAprRate(0);
$this->setLoanAmount(15000);
}
Or the Python/Go equivalent.
Yeah the only change each month on my reports is a few hundred off my mortgage. All other details identical.
Gone from £3k with almost 30% APR 
to nothing 
I was hoping to see £15k at 3%!
I don’t want to feel like I’m getting it looked into just for me because I’m moaning about it on the forums, but I’m happy to be used as debugging to help others who think they should have had an offer or a much better than what they have been offered.
Is it because I only use Monzo for my monthly spend? So Monzo only sees £2k down to 0 and then back to £2k each month?
And on Monday evening…
Sam gets arrested at their desk for fraud
Going from various screenshots that have been posted here and on the blog, pretty sure all commits to production require at least one additional approval, so Sam’d need to get a couple more people to conspire with them in order for that to work.
I’m in a similar boat as you - as far as I understand my own credit history, I should be somewhat credit worthy, yet I’m also on the £3k and 26.8% Loan!
I’m not likely to apply for a loan soon but still! I’d be interested to see what factors mean I get this rate and others get the full £15k.
Rather be arrested for fraud than write PHP
