Skip to content
noyo.
How it worksWhy NoyoOur partnersSuccess storiesHelp & answers
Log inCheck eligibility
All legal documents

LEGAL CENTER

Rates & feesPrivacy noticeTerms of useCookie policyResponsible lendingComplaints & supportPartners & payoutsAccessibility

Need something explained?

Talk to Noyo

YOUR RIGHTS. IN DETAIL.

Accessibility

Explore Noyo in the way that works for you.

11sectionsEffective: 2026-09-29

Read alongside your individual offer and agreement. Mandatory protections in your country prevail over any conflicting provision.

In this document11
  1. Reading and navigation
  2. Keyboard controls
  3. Language and forms
  4. Comfort and clarity
  5. Scope and accessibility objective
  6. Forms, labels and error messages
  7. Screen readers, keyboard and focus
  8. Visual comfort, zoom and motion
  9. Language and accessible documents
  10. External providers and limitations
  11. Report a barrier or request assistance
01

Reading and navigation

The website uses labelled fields, structured headings and layouts that adapt to phones, tablets and desktops. You can enlarge text with your browser’s zoom controls.

02

Keyboard controls

Use Tab to move between links and controls. Use Enter or Space to activate a focused button, arrow keys to explore dropdown options, and Escape to close a dropdown.

03

Language and forms

Choose your preferred language from the language menu. Required fields are identified. Native browser validation messages follow your browser language.

04

Comfort and clarity

The layout supports reduced-motion preferences. FAQ answers can be expanded individually, and search helps narrow the information to a relevant topic.

05

Scope and accessibility objective

We aim to make public information, applications and account navigation understandable and usable across screen sizes and input methods. WCAG 2.2 Level AA is the technical reference for ongoing improvement. This is an accessibility objective, not a certification or a claim that every page has passed an independent audit.

Responsible organization: Noyo Finance Ltd. Accessibility contact: support@noyofinance.com.

06

Forms, labels and error messages

Fields should have understandable labels and appropriate autocomplete hints. Required information should be distinguishable from optional information. Validation should identify the affected field and explain how to correct the issue, without relying on color alone.

If a date picker, country list, verification code or other control prevents you from continuing, contact us with the page and the action you were trying to complete. Do not send private application data in the initial report.

07

Screen readers, keyboard and focus

Interactive elements should be usable with a keyboard, have meaningful accessible names and follow a logical focus order. Dialogs should allow an understandable way to close and return to the previous context. Visible keyboard focus helps people navigate without a mouse.

If focus becomes trapped unexpectedly, a control has no understandable label or a status is not announced, include that in your report so we can reproduce the issue.

08

Visual comfort, zoom and motion

The design should support readable text, adequate contrast, responsive layouts and browser zoom. Animation should not be required to understand an offer, and reduced-motion preferences should be respected where animations are used.

A decorative image must not be the only way to understand a financial condition. Amounts, interest rates, dates and important explanations should remain available as text.

09

Language and accessible documents

Choose your preferred language from the language menu. Language selection should preserve your place in the service where possible. A translation does not remove the need for clear country-specific contractual disclosures.

Ask support@noyofinance.com for an alternative format or explanation if a document is difficult to use. Available formats and assistance: plain-text explanations and email assistance via support@noyofinance.com.

10

External providers and limitations

Card-provider websites and any identity-verification service are operated separately and may have different accessibility features. If an external step blocks access, tell both the provider and Noyo so that available alternatives can be assessed.

Known limitations and remediation schedule: reported barriers are assessed and prioritized; contact support for the status of a specific issue. Last accessibility assessment: no independent accessibility certification is claimed. An alternative route must be evaluated rather than promised before it exists.

11

Report a barrier or request assistance

Contact support@noyofinance.com with the page address, a description of the barrier, your browser or assistive technology if relevant, and your preferred response format. We may ask follow-up questions, but you do not need to disclose a medical diagnosis to report a problem.

Response target: an initial response within 48 hours. If you are dissatisfied, use the Complaints Policy or contact the competent authority in your jurisdiction. Effective date: 2026-09-29.

Clear information for an informed decision.

Back to all documents
noyo.

Personal loans. Clear choices.

Explore Noyo

How it worksSuccess storiesOur partnersHelp & answersContact & support

Legal & transparency

Rates & feesResponsible lendingPrivacy noticeTerms of use

Your choices

Cookie policyComplaints & supportPartners & payoutsAccessibilityAll documents

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.

Rates & full cost disclosuresResponsible lendingComplaints & support
© 2026 Noyo. All rights reserved.