Awesome thanks guys 
So you go somewhere else, surely.
As far as I know this is literally what every bank ever does as standard - restricts the applicant based on their own internal affordability criteria.
It’s always a case of finding a bank that provides what the applicant is prepared to live with but let’s not pretend that they’re not restricting applications just because their terms happen to be agreeable to any particular individual.
Where? I’ve never had a loan where they don’t ask about income and expenditure
This is correct. 
This is something that all regulated lenders have to do. If you’re interested (and are in need of a “good” read) the details are published by the FCA (Financial Conduct Authority) in CONC (Consumer Credit sourcebook).
Most lenders just chose not to tell you about it though and will leave you thinking that you’ve been declined based solely on your credit score.
Are top up loans being considered?
(Sorry, not yet)
That’s ok, I don’t need one yet 
This, would have been so useful when i was shopping for a new kitchen 
. Im sure it will be a feature before my repayments are finished
The person in charge?
Apparently, I don’t meet the criteria! Nevermind, since I don’t need one, but I’m still curious as to why…
I fear we’re in a rhetorical question loop? 
Why is that?
Similar kind of reasons we don’t share what goes into our fraud models. If we (or any lender for that matter) shared too much detail it would change customers behaviour which would make our models weaker. Which has a negative impact on both the lender and customers.
Out of curiosity, how do the interest rates compare to what else is available elsewhere?
They’re high.
2.8% for 7 grand plus seems to be the best at the moment.
However, that rate is likely only for the best credit score holders.
This is fantastic news! I had a loan with Monzo and paid it off, and it was honestly the easiest and most helpful form of credit I’ve had! Will likely end up using it again to buy my car outright as soon as I’m able to
That’s so good to hear
I’ve seen people previously commenting that loans weren’t being included in committed spending/left to spend, has this been resolved yet?
how easy is it to pay back when I have extra money to throw at it? Is it like paying off a credit card? My current loan I thought it would be easy but it takes weeks of me harassing the company to allocate my payments and send me my new payment plan