Koyo believe that everyone should be treated fairly when it comes to finance. That’s why they take a different approach to lending. Instead of simply having a lending criteria based on a person’s credit score, they use innovative technology to get a clearer picture of a customer’s finances. This means that not only can they boost search results for those with healthy credit profiles, but they can also open up borrowing opportunities to more people.

  • Borrow from £1,000 to £5,000
  • Over terms of 6 to 36 months
Clarence holding sign presenting the Koyo logo

Our lenders and partners

You know, we don’t work with just anyone. We only work with trusted UK lenders and credit card providers that will help you find your best borrowing option.

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We're proud to earn a super-positive score from Trustpilot, the leading collector of honest reviews from real customers.



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Baffle-free guides to borrowing


Loans guides

Loans can be super confusing, but never fear – our set of loan guides will help you beat the Baffles.

Learn more about loans

Managing money guides

It’s not always easy to know how to handle your finances. Our set of money management guides can help you out.

Learn more about managing money

Credit score guides

Understanding your credit score isn’t always straightforward. But our guides will help put you on the right path.

Learn more about credit scores