Personal loans, only fairer.


We use your bank data to offer more competitively priced credit


100% online, and a decision within 1 working day


Repay anytime with no hidden fees. You are in control

Authorised and regulated by the FCA (Ref. 826425)
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Hear from others who trust in Koyo

Real Rates Loan Calculator

Use the 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.
I want to borrow...
For how long...

Monthly repayment

Representative APR:
28 %
Total repayable:
Total interest:
Representative example: Amount of credit: £3,000.00 for 24 months. Interest rate: 20 % pa (fixed). 23 scheduled monthly payments of £160.04 and a final payment of £159.82. Total amount payable £3,840.74. Representative 28 % APR

Your application journey


It takes just 3 minute to apply, without affecting your credit score


You can get access to more competitively priced credit through linking your bank account to Koyo through Open Banking – enabling us to make fairer decisions

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It’s fast. We normally give a decision after 1 full working day


Once approved, 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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