Real Project ( 2024 / 2025 )
Personal Loan
Experience
Oney is a financial institution specializing in payment solutions, credit, and financing for consumers and businesses. Operating in multiple European countries, the company offers innovative digital financial products that prioritize flexibility, security, and a seamless user experience.
Project´s Goal
The goal of this project was to design a new digital product from scratch, enabling users to apply for a personal loan in a simple, intuitive, and fully online experience. The interface was designed to ensure clarity, reduce friction in the process, and provide security at every stage of the loan application.
What is a Personal Loan Application?
A personal loan application is the process through which a user requests a loan from a financial institution. This process involves providing personal and financial information, undergoing a credit analysis, and, if approved, signing a contract before the funds are disbursed.
How Does a Digital Loan process Work?
With the digitization of financial services, users can now apply for loans entirely online without visiting a physical branch. The process typically follows these steps:
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Simulation – The user selects the desired loan amount and repayment period, viewing loan conditions such as interest rates and installments.
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Registration and Document Submission – Personal and financial information is collected, and users may need to upload documents such as proof of income and identification.
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Credit Analysis – The financial institution evaluates the applicant’s profile based on credit history and internal criteria to determine loan eligibility.
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Approval and Digital Signature – If approved, the contract is provided for digital signing, ensuring convenience and legal security.
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Funds Disbursement – After signing, the loan amount is transferred to the user’s account within the stipulated timeframe.
Research and tests
I conducted extensive research to understand how to make the user experience as good as possible. This included a very detailed benchmark based on the best competitors in the market, as well as several interviews.
Once a high-fidelity prototype was ready, I conducted usability tests with many real users, obtaining incredible feedback.
These insights were used to improve the experience in the prototype and subsequently in our final product.
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A demo video of the prototype in operation was recorded for presentations, and you can see this video below:
Figma prototype
