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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.

Authorised and regulated by the FCA (Ref. 826425)
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Applying for a loan does not affect your credit score

Personal Loan Calculator

Use the personal loan calculator below to find out what rate you’ll pay for your Koyo loan. Unlike other loan calculators, our calculator shows the real rates you'll pay for your loan when approved.
For how long...

Monthly repayment

Representative APR:
27 %
Total repayable:
Total interest:
Representative example: Amount of credit: £4,000.00 for 36 months. Interest rate: 24 % pa (fixed). 35 scheduled monthly payments of £157.31 and a final payment of £156.95. Total amount payable £5,662.80. Representative 27 % APR

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.

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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.

Any 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, please visit our Contact Us page.

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