Personal LoanStarting APR 24.9%
If Koyo approves your application, money deposited into your account straight away. You can repay the loan with easy monthly installment plans and up to 5 years of terms. Even earlier with prepayment, until it’s all cleared.
Representative example: Amount of credit: £4,000.00 for 36 months. Interest rate: 22.44% pa (fixed). 35 scheduled monthly payments of £155.00 and a final payment of £154.74. Total amount payable is £5,579.74. 24.9% APR representative.
- Annual Percentage Rate (APR) 24.9%
- Borrowing Amount £1500 - £12000
- Maximum Loan Term upto 5 years
- Processing Time 2 days
- Loan Types Fixed Rate, Long Term, Unsecured
- Be over 21 years old
- Be a UK resident for at least six months
- Not be bankrupt
- Have no CCJs or history of bad credit
- Have a mobile phone
- Receive a regular income
- Not be self-employed
- Competitive rate loans
- No fees (no late payment fee, no early repayment fee)
- Decisions and money in your account within 1 working day
Koyo doesn’t offer guarantor loans. With Koyo, you don’t need a guarantor to get approved for a loan. We use Open Banking to make decisions on the creditworthiness of a borrower. This enables us to give competitively priced loans to people who otherwise wouldn’t have access to affordable credit.
Fast Personal Loan Application
- It takes just 3 minutes to apply and doesn’t affect your credit score.
Fast loan approval
- Decision and payment within 48 hours.
Flexible loan repayment
- Choose your repayment date, no hidden fees, and settle early without penalty.
One-Day Loan Approval
- It’s fast. We normally give a decision after 1 full working day.
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