Koyo Loans
Apply now

You've got enough on your plate. Consolidate.

Getting everything in one place is easier (and more satisfying) than you think. Pop the kettle on and have a look around; you’ll find all the answers here.

See our illustrative rates below. Apply to get a personalised rate (which will not impact your credit rating)


Monthly repayment

Representative APR:
Total repayable:
Total interest:
Apply now
Rated 4.9 out of 5 on Trustpilot

Rated 4.9 out of 5

Read the reviews

How it works

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.

You're more than a credit score.

Applying does not impact your credit rating.

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.

Your questions answered

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.

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.

Yes. You can make additional payments at anytime, at no extra costs, (any overpayment may reduce your loan term, rather than your monthly repayment amount). If you wish to repay your loan early in full, please contact [email protected] for an Early Settlement Quotation, a 28 day interest charge will be applied.
No - Koyo do not offer payment holidays, if you are struggling to repay your loan you must contact us to discuss your circumstances, either complete the online contact form, call us on 020 3966 4897 or Email us at: [email protected].
We're sorry to hear that your circumstances have changed. Don’t worry, we are here to help. If you are struggling to repay your loan, get in touch with us asap, you can use our contact us page on our website, call us on 020 3966 4897 or Email us at: [email protected].