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Start with a few details
Tell us where you live, what you earn and what you need support with. Your answers help us understand your situation.
Personal loans. Clear choices.
A personal loan.On a cryptodebit card.
Borrow up to $1,500 in just 15 minutes. Choose your partner card and receive your funds.
- No application fee
- No obligation to borrow
Clear terms before you commitA review built around youNo upfront application fee
CARD & PAYOUT PROVIDERS
Payout options depend on your country, eligibility and approval.
FROM YOUR PROFILE TO YOUR PERSONAL OFFER
Tell us what you need. We’ll review your options.
You don’t have to guess the amount or pick a card first. We assess your profile and identify an eligible option for you to consider.
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Get a personal review
Noyo reviews your profile and decides your loan amount. We then check which partner debit cards can receive your funds.
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See the terms. Make your choice.
If an offer is available, review the amount, eligible card, full cost and payment dates. Accept only when you’re comfortable.
For the life you’re building.
CREDIT THAT STARTS WITH YOUR NEEDS
For the things that matter to you.
Repair something essential. Get the tools you need for work. Manage an unexpected expense. Explore support that fits your needs — and a repayment plan you can afford.
Know exactly what you’re considering
See the amount, annual cost, all fees and repayment schedule before making a decision.
A payout option included in your offer
An eligible virtual debit card option is included in your offer. You decide whether to proceed.
The final decision is yours
Borrow only what you can comfortably repay. There’s no obligation to accept an offer.
PRACTICAL SUPPORT. REAL-LIFE NEEDS.
What would help you move forward?
From an essential repair to equipment for work, start with what matters to you. We’ll review your profile before proposing an amount.
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A home that works
An essential appliance, a necessary repair or an unexpected household expense. A little support can help you get back to your routine.
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Tools for your next step
Equipment for your work or a practical expense that helps you keep earning. Think about what you need, and what you can comfortably repay.
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Room for the unexpected
Sometimes an essential bill arrives at the wrong time. Start by reviewing your budget and the alternatives available to you.
Borrowing is a commitment. Consider alternatives and protect your essential spending.
YOUR OFFER. THE FULL PICTURE.
Know what you’ll receive. Know what you’ll repay.
The right decision starts with clear information. If you qualify, your offer brings the amount, card option and full repayment details together — so you can decide with confidence.
Explore the process- The amount you receive and the currency
- Your annual rate and every compulsory fee
- Each repayment amount and its due date
- The total you will repay over the full term
- Your eligible debit card, payout costs and same-card repayments
- Your rights, cancellation options and support contacts
KNOW THE COST BEFORE YOU SAY YES
Every cost. Before you commit.
Look beyond the amount you receive. Compare the annual rate, repayment period and total cost. Your personal offer will set out the terms that apply to you.
Rates & full disclosuresAnnual percentage rate13%–15%
Repayment period6–12 months
Application & origination fees$0
Illustrative example
Borrow $1,000 over 12 months at a fixed nominal APR of 15%, with no fees: 11 payments of $90.26 and a final payment of $90.24. Total repaid: $1,083.10. Total cost: $83.10.
Your personal offer confirms the applicable rate, taxes and provider charges. The loan and repayments are in USD. Review the total cost before accepting.
YOUR FIRST STEP IS SIMPLE
A few details. A more personal review.
Start with your country, income and regular expenses. We use your circumstances to assess eligibility, rather than asking you to choose an amount before you know your options.
Check eligibilityWhere you live
Your country determines which lending and payout options may be available.
What comes in and goes out
Consider regular take-home income, essential expenses and existing repayments.
What you need help with
Explain the purpose. You can consider an offer without being obliged to accept it.
Who approves and provides my loan?+
Noyo is your lender. We decide your loan amount and terms. You choose an eligible partner debit card to receive the same amount, and we collect repayments automatically from that card under your payment authorisation.
How much can I borrow?+
Our loan range is $300–$1,500 USD. After reviewing your income, commitments and eligibility, we show your individual amount and full terms. Approval is not guaranteed.
How will I receive the money?+
Your Noyo loan is credited to a debit card as available funds, not as a credit card limit. Your offer identifies the eligible partner card and payout currency. Availability, verification, fees and processing time vary by provider and country.
Does filling in a profile commit me to a loan?+
No. A profile is a request for a review, not a loan agreement. You need to separately accept a specific offer after reading all terms.
Is Noyo available in my country?+
Select your country in the eligibility questionnaire. Available products and payout options depend on your residence, local requirements and provider eligibility.
How will my loan repayments be collected?+
Noyo automatically collects repayments from the same card that receives your loan funds, according to the schedule and payment authorisation in your agreement. Keep enough funds available on that card for each due date.
Is this a credit card with a credit limit?+
No. The card used to receive your Noyo loan is a debit card. The loan is credited as funds available to spend from its balance, not as a credit card limit. Your loan and repayment obligations are separate from the card.
NOYO · WITH YOU, FORWARD
See what could work for you.
Start with a few details about your situation. Explore your options with no obligation to accept.