How it works
Tell Noyo about your needs and finances. We review your profile and decide your loan amount. Then choose an eligible partner debit card to receive the funds and repay automatically from the same card.
Check eligibility
Your next step starts with you.Share your country of residence, contact details and the reason you’re looking for support. Then tell us about your regular income and financial commitments. Accurate information helps us understand what a manageable offer might look like.
Noyo makes the credit decision based on identity, eligibility and affordability. We may need to clarify a detail or request supporting information through a secure channel. Filling in the profile does not guarantee approval or a particular amount.
Where an eligible product is available, we check the relevant partner requirements. A card already in your name may still need verification. You do not need to choose a card before understanding its terms.
Your offer shows the amount, total cost, repayment schedule, Noyo as your lender and your chosen card provider. You can compare the details, ask questions and decline. No loan agreement is created simply by submitting a profile.
After separate acceptance of the agreement and completion of required checks, an approved payment follows the route described in your offer. Noyo automatically collects repayments from the same debit card that receives your loan, according to your agreement and payment authorisation. Keep enough funds available for each due date.
Your review may require additional information before an offer can be made. No guaranteed approval time is displayed because reviews and provider checks can vary.
Sometimes the available options will not match your circumstances. A responsible outcome may be a lower amount or no offer. You should never be pressured to take more than you need or can repay.
YOUR OFFER. THE FULL PICTURE.
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 processYOUR FIRST STEP IS SIMPLE
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 eligibilityYour country determines which lending and payout options may be available.
Consider regular take-home income, essential expenses and existing repayments.
Explain the purpose. You can consider an offer without being obliged to accept it.
A PERSONAL REVIEW. A CLEAR DECISION.
Start with your profile. If an offer is available, you’ll see the amount, eligible provider and repayment terms together. Checking your eligibility does not commit you to borrowing.