Loans in your corner
- Money paid direct to your bank account
Loans from £3,001 - £12,000
- Repay at anytime
- We lend based on how you spend
Let’s crunch the numbersSee our illustrative rates below. Apply to get a personalised rate (which will not impact your credit rating)
- Representative APR:
- Total repayable:
- Total interest:
Loans for living
Our customers say it best
Sorted it all so quickly
The most professional loan company I have ever dealt with. No fuss, just sorted it all so quickly. Thank you so much to Koyo. I will certainly consider using them again in the future, if needed.Catherine, London
We’ve got your back
Applying for a loan needn’t be time-consuming or stressful.
Money paid direct to your bank account.
No faff, no fuss, no waiting around. Job done.
Repay at anytime.
Pay more, pay less, pay early or in full. It doesn't matter. We don't penalise people for paying.
You're more than a credit score.
Applying does not impact your credit rating.
Your questions answered
Why are you asking me to log into my bank account?
During your application journey, Koyo will ask you to log into your online bank account, so we can access, on a read-only basis your bank transactional data. Only you can choose to share your data using open banking, and the data helps us decide if we can lend to you. Koyo will never see your online banking username or password. We also have no access to your bank account to make changes or withdraw money – and never will.
What do you do with my transactional data?
We use your transactional data to help us with our lending decision. So we can make sure that a loan with Koyo is the right loan for you.
Can I pay my loan off early?
Important: Settlement quotes are valid for 28 days and the amount due is the balance outstanding, plus 28 days interest.
Can I have a payment holiday on my loan?
My circumstances have changed what should I do?
Start your journey
Sums aren’t fun. Let our loan calculator do the hard work for you.