Koyoloans

Personal loans, only fairer.

Fair

We use your bank data to offer more competitively priced credit

Fast​

100% online, and a decision within 1 working day

Flexible​

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...
£
£1000
£5,000.00
For how long...
months
6
36
£160.03

Monthly repayment

Representative APR:
28 %
Total repayable:
£3,840.64
Total interest:
£840.64
Representative example: Amount of credit: £3,000 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

Application

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

Technology

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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Decision

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

Loan

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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