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INFORMATION & YOUR RIGHTS

Clarity in every detail.

Understand your loan, how your information is handled and where to find help. Explore our policies and review your individual terms before deciding.

Rates & fees

Understand the cost of borrowing before you make a decision.

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Privacy notice

How personal information is used throughout an application, identity verification, loan servicing and your use of this website.

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Terms of use

The rules for using Noyo, checking eligibility and managing your account. Your individual credit agreement sets out the terms of your loan.

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Cookie policy

Essential storage, optional Google Analytics and a choice you can change at any time.

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Responsible lending

A loan should help you move forward without putting essentials at risk.

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Complaints & support

Find the right route for support and raise a concern clearly.

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Partners & payouts

The right payout option depends on your profile and where you live.

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Accessibility

Explore Noyo in the way that works for you.

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Personal loans. Clear choices.

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Legal & transparency

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Your choices

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Lender & company information. Noyo is the trading name of Noyo Finance Ltd, registered in Mauritius under reference C22186760. Registered office: 37 Sir William Newton St, Port Louis, 11328, Mauritius. Support: support@noyofinance.com. Complaints: abuse@noyofinance.com. Privacy: privacy@noyofinance.com.

Loan amounts, rates & eligibility. Personal installment loans from $300 to $1,500 USD, repayable over 6–12 months. Fixed nominal annual interest rate (APR): 13%–15%, with a maximum of 15%. The amount, rate and term offered depend on eligibility, affordability, verification and applicable local requirements. You must be at least 18 and meet any higher legal minimum age in your country. Availability is limited to markets where Noyo is authorized to offer the product.

Representative example. A $1,000 loan over 12 months at a fixed nominal APR of 15% (1.25% monthly), with no Noyo application or origination fee, has 11 monthly installments of $90.26 and a final installment of $90.24. Total repayment: $1,083.10, including $83.10 in interest. This example assumes equal monthly periods and on-time payments; the final installment accounts for rounding. It is an illustration, not an individual offer.

Understanding the cost. The displayed nominal APR is the monthly rate multiplied by 12. At 15% nominal APR, the effective annual interest rate is approximately 16.08%. Statutory annual-cost measures may differ by country. Where required, your individual disclosure includes taxes and compulsory costs, including CET in Brazil. Noyo charges no application fee, origination fee, early-repayment penalty or late-payment penalty for this product. Any other legally applicable cost must be disclosed before acceptance.

Your card, payout & repayments. Noyo is your lender. Card partners provide eligible account, payout and repayment services; they do not set separate loan amounts. Your loan is paid into an eligible debit card or associated account in your own name as available funds, not a revolving credit-card limit. Repayments are collected from the same card or account under your payment authorization. Provider verification, country restrictions, currency conversion and card fees may apply. Transfer timing depends on completed checks and payment processing.

Make an informed decision. An eligibility check or prequalification is not guaranteed approval and does not commit you to borrowing. The final amount and conditions may change after verification. Review your agreement, installment schedule, total repayment and applicable cancellation rights before accepting. Keep sufficient funds for scheduled payments and contact Noyo early if repayment becomes difficult. Never pay an advance “release” or “unlock” fee, or share passwords, verification codes or recovery phrases to obtain a loan.

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