Quick Loans 3.0 — uncomplicating the lending experience

Monedo offered short and medium-term loans in a market where traditional banking felt slow, opaque, and overcomplicated.

Head of UI/UX

My role as Head of UI/UX was to design a modern, accessible lead cycle that could handle over 2000 applicants per day, explain complex financial products in plain language, and give people a clear sense of what they were signing up for.

Kreditech

2018 — 2019

Fintech, Banking

Problem

The existing experience mirrored the industry: long forms, scattered information, and jargon-heavy copy. People struggled to understand what they would actually pay, when, and under what conditions. Internally, the business needed a flow that could scale to thousands of applications per day without overwhelming support or creating unnecessary risk.

We defined the core challenge as designing a lending journey that feels as simple as buying something online, while still meeting regulatory and risk requirements.

Discovery

We started with an extensive discovery phase combining quantitative and qualitative methods: customer interviews, market research, customer journeys, user testing, and behavioural data from Google Analytics and Hotjar.

From this work, a few patterns emerged. Most users arrived with a clear need but low financial literacy. They were time-constrained, often on mobile devices, and easily discouraged by unclear steps or unexpected conditions. People dropped out when they felt they were losing control or when the interface felt like a trap.

This informed our design principle: every step of the journey had to answer a simple question – “what happens to me if I continue?”

Designing the lead cycle

I led the end-to-end design of the Quick Loans 3.0 web and mobile experience. The focus was not just on making forms look nicer, but also on restructuring how information and decisions were presented.

Guided, step by step lead cycle

We designed the journey so applicants move from the first slider interaction to final approval in small, understandable steps, rather than facing a single long, intimidating form.

One mental frame for all key numbers

Amount, term, and total cost are always displayed together, so users do not have to remember figures across screens or reconstruct the offer in their heads.

Repayments shown in real dates and amounts

Instead of abstract percentages, we present repayments as concrete amounts tied to specific dates, which makes them feel tangible and easier to plan for.

Edge cases explained before commitment

Scenarios like late payments or schedule changes are surfaced before users confirm the loan, not hidden in secondary links, so they understand the consequences of real-world situations.

Plain language instead of legal jargon

We rewrote the copy to match how people actually talk about borrowing, while staying compliant, reducing confusion, and lowering the cognitive load at each step.

Tested understanding, not just aesthetics

During user testing, we iterated on microcopy until participants could describe the offer in their own words, which became our benchmark for clarity and trust.

XS — XXL

Once a user is granted a loan, their account is created automatically, and they can sign in with a one-time password. The goal was to remove friction from login without compromising security, especially on mobile.

More context

Inside the account, we designed a dashboard that surfaces current and past products in a single, readable view. The repayment plan is presented as a clear schedule that answers two fundamental questions: how much and when. Users can see cash inflows and outflows tied to their loan, so they can trace where money moves instead of guessing from bank statements. When things go wrong or life changes, there are clear entry points to request an instalment break or a new repayment plan, leading to human support rather than a dead end.

The same logic was applied to the desktop version. Mobile was the primary channel, but the layout and interactions were adapted for larger screens to keep the experience consistent rather than stretched.

Final thoughts and impact

Quick Loans 3.0 turned a typical, high-friction lending funnel into a simpler, more transparent journey that supports over 2,000 applicants per day. Users no longer had to piece together costs from scattered labels and small print. Instead, they could see their offer, repayment plan, and obligations in a single, coherent flow, reducing confusion and making support conversations more focused.

For me, this project was a deep dive into designing for trust in a sensitive domain. It reinforced the importance of treating information architecture and language on par with visual design, and of viewing a loan journey as a system of decisions under stress rather than a sequence of pretty screens. It is the same mindset I bring to complex financial, operational, and AI-assisted products today.

A century of tradition — redesigned for the digital age
Warta

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