Monefit Credit subscription
I led product and acquisition design for a new credit subscription in Spain, from regulated onboarding and dashboard through launch and post-release funnel improvements.
- ShippedNew Spanish credit product
- ImprovedOnboarding completion after launch
- 8Existing markets informed the design
A new credit product had to earn trust fast
The product combined an unfamiliar 0%-interest subscription with the legal and trust demands of consumer lending. One responsive flow had to work for customers who wanted speed and customers who needed reassurance.
- Explaining a brand-new product category to people who are rightly suspicious of free money.
- Meeting legal requirements without burying customers in legal text.
- Building screens that eight other markets could reuse without redesigning everything.
Eight markets and a waiting list gave us enough to start
Monefit already operated in eight markets. Existing funnels and past launches gave us a baseline, while calls with people on the Spanish waiting list told us why they had signed up.
- 0% interest was the strongest reason to trust the offer.
- A high credit limit made the product feel useful.
- Some people wanted speed; others wanted every step explained.
Three decisions that removed friction
- Visible progress and short explanations at the points where legal or product questions appeared.
- Product selection moved later, after customers understood the offer and their eligibility.
- The loan agreement and SECCI document became one stage. Completion improved within days.
The Spanish launch also left reusable components for the other markets.
Dashboard and repayment
The dashboard answers three questions: how much credit remains, what is owed and when it is due. Repayments use a readable schedule and the transaction history uses plain labels.
The biggest wins came after launch, by watching the funnel every day and quietly fixing what tripped people up.
Product and marketing as one system
I designed 500 ads in waves of 100. Results from each wave decided which message to scale next. The strongest angles came directly from the research: 0% interest and a high available limit.
After launch we contacted people who had started onboarding and stalled. Many returned at a lower cost than acquiring a new applicant.
I checked the funnel most mornings and shipped fixes with the product, engineering, legal and acquisition teams in the same week: steps cut, legal documents rewritten and emails tightened.
Where I chose speed over polish
I resisted building separate onboarding flows for fast and reassurance-seeking customers. One flexible flow meant less work and better shared learning. We launched before it felt perfect and removed steps using live drop-off data.
A shipped product and a better funnel
The Spanish product shipped across mobile and desktop. Product, acquisition and post-launch iteration worked as one funnel.
- Onboarding completion improved after product selection moved later and the largest flow cuts shipped.
- Combining the agreement and SECCI document reduced friction at one of the most demanding legal stages.
- Follow-up email brought abandoned applicants back into the journey at lower cost than acquiring them again.
- The Spanish launch left reusable product and component foundations for other markets.
Working on a regulated product?
Send me the product, the problem and where customers are getting stuck.
Related services: fintech product design fintech onboarding and KYC product launch design
