Personal loans, only fairer.
Personal loans that consider more than your credit score
Fair lending
We use your bank data to offer better rates. Rated 5* on Trustpilot.
Fast loan approval
Decision and payment within 48 hours.
Flexible loan repayment
Chose your repayment date, no hidden fees, settle early without penalty.
Applying for a loan does not affect your credit score
Personal Loan Calculator
Apply For a Personal Loan Online
Fast Personal Loan Application
It takes just 3 minutes to apply and doesn’t affect your credit score
Open Banking Loans
Traditional UK lenders look at your credit score and nothing else. We know there’s more to the picture. Get better-priced credit by linking your bank account to Koyo.
One-Day Loan Approval
It’s fast. We normally give a decision after 1 full working day.
Fast Loans
Once approved, the money could be in your account within 1 working day.
Get QuoteAny questions? We can help
It’s likely we’ll have an answer to your question in our Frequently Asked Questions, if you can’t find what you’re after, we’re just a call away.
It’s likely we’ll have an answer to your question in our Frequently Asked Questions, if you can’t find what you’re after, please visit our Contact Us page.
Lines open Monday to Friday, 9am > 5:30pm.
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