We use your bank data to offer better rates. Rated 5* on Trustpilot.
Decision and payment within 48 hours.
Chose your repayment date, no hidden fees, settle early without penalty.
It takes just 3 minutes to apply and doesn’t affect your credit score
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.
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.
This site uses cookies to improve your web experience. If you keep surfing this site we consider that you accept our cookies usage. You can check more information here