Fewer forms. Fairer rates.
We don't need your life story to give you a quote. So, no need to share payslips, bank statements or the name of your high school crush.
It’s important to do your maths before applying for a loan. Luckily, our payment calculator is here to do the hard work for you.
Monthly repayment
We don't need your life story to give you a quote. So, no need to share payslips, bank statements or the name of your high school crush.
Applying does not impact your credit rating.
No faff, no fuss, no waiting around. Job done.
Pay more, pay less, pay early or in full. It doesn't matter. We don't penalise people for paying.
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?
Can I have a payment holiday on my loan?
My circumstances have changed what should I do?