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@mashton
I used a Monzo loan the other month when a piece of hi fi kit I have been after for a while came up on eBay for a great price. I didn't have the readies but knew it was too good to miss. Borrowed a grand for three months and paid about £25 for the privilege. Way less than the amount I saved by being able to pounce.
Frictionless is exactly the right word. Took less than two minutes from thinking "hmm, I wonder about Monzo loans" to having the cash in my account.