Apply nowManage my loan

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

Choose your repayment date, no hidden fees, settle early without penalty.

Authorised and regulated by the FCA (Ref. 826425)
Guy hiking with a map and a backpack

Applying for a loan does not affect your credit score

Personal Loan Calculator

Use the personal loan calculator below to find out what representative rate you could pay for your Koyo loan.
£
£1,500
£12,000
For how long...
  and  
Representative example: Amount of credit: £4,000.00 for 36 months. Interest rate: 22.44% pa (fixed). 35 scheduled monthly payments of £154.53 and a final payment of £154.10. Total amount payable £5,562.65. 24.9% APR representative
£154.53

Monthly repayment

Representative APR:
24.9%
Total repayable:
£5,562.65
Total interest:
£1,562.65
Apply now
Representative example: Amount of credit: £4,000.00 for 36 months. Interest rate: 22.44% pa (fixed). 35 scheduled monthly payments of £154.53 and a final payment of £154.10. Total amount payable £5,562.65. 24.9% APR representative

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.

A girl sitting on a planet contemplating the universe
A green balloon surfing the skies

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.

Apply now

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.

A man paddling towards his financial security

We use cookies to improve your experience on our website. Some cookies are essential and others are optional. You can accept all cookies or manage them individually. You can find more information here