Rates & fees

Personal installment loans of $300–$1,500 USD, with a minimum repayment period of 6 months and a maximum of 12 months. Fixed nominal APR: 13%–15%; maximum 15%. Your individual offer confirms the applicable rate; approval is not guaranteed.

For $1,000 over 12 months at a fixed nominal APR of 15% (1.25% monthly) and zero fees, the schedule is 11 payments of $90.26 and a final payment of $90.24. Total repayment is $1,083.10, including $83.10 interest. The final installment adjusts for cent rounding. This assumes monthly periods and on-time payments.

The illustrative APR is twelve times the monthly rate. At 15% nominal APR the effective annual interest rate is approximately 16.08%. Local cost-of-credit calculations may differ. In Brazil, CET must include applicable taxes and compulsory costs and is not replaced by this illustrative APR.

Application and origination fees are $0. The product includes no early repayment penalty and no Noyo late-payment penalty; accrued interest and any legally required costs must be stated in a final agreement. A third-party card provider may charge issuance, conversion, network or account fees. Compulsory costs must be included in the legally required total-cost disclosure before acceptance.

Your Noyo offer sets out the currency, amount disbursed, all fees and taxes, annual cost measure, installment amounts, exact dates, total repayment, late-payment consequences, cancellation rights and payout option. Loans, disbursements and repayments are denominated in USD. No insurance or paid add-on is required to apply.

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 creditor is Noyo Finance Ltd, trading as Noyo. Product availability, permitted amounts and maximum costs depend on local law and your eligibility. Website ranges are not a promise that a product is available in every listed country.

An initial amount is an estimate based on your preliminary profile. Further affordability and identity checks can change the amount, term or decision. The final offer must show the exact conditions you are being asked to accept.

Selecting KAST, Nexo, RedotPay, Crypto.com or Tria as an eligible payout route does not change the principal Noyo approves. Provider currency conversion or account charges may affect the usable card balance and must be reviewed separately.

An installment includes both principal and interest. A fixed interest rate does not mean the interest component is the same every month: it normally decreases as principal is repaid. Your schedule identifies the due dates, number of payments, monthly amount and any final rounding adjustment.

The representative example assumes equal monthly periods and on-time payments. The actual agreement must disclose how dates, partial periods and rounding are calculated.

USD figures describe the displayed loan currency or equivalent. The agreement must identify the actual contract, payout and repayment currencies and any applicable exchange-rate source. If your income or card balance uses another currency, exchange-rate changes can alter the local amount needed for repayment.

A card provider may charge for conversion, account services, transfers or withdrawals. These charges are not automatically Noyo charges, but any compulsory cost of obtaining the loan must be included in the cost disclosures required by applicable law.

You can request a settlement statement showing the outstanding principal, accrued interest and any applicable adjustment under the agreement and local law. The product has no Noyo early-repayment penalty. A settlement quote should state the date through which it is valid and how to pay.

Do not assume that sending an extra payment automatically cancels every scheduled collection. Obtain confirmation of allocation, the remaining balance and any updated schedule.

The product includes no Noyo late-payment penalty. A missed payment still leaves a debt outstanding and may have consequences stated in your agreement and permitted by law. Any collection, reporting or other charge must have an appropriate basis and be disclosed; it must not appear as an unexplained surprise.

Contact support@noyofinance.com as early as possible if a payment may be difficult. A support request alone does not change a due date; agreed adjustments should be recorded in writing.

Your individual disclosure must identify the lender, principal, amount disbursed, fixed interest rate, legally applicable annual cost measure, repayment term, installment schedule, total payable, compulsory charges, cancellation rights and complaint contacts. Local annex: the applicable financial disclosure supplied with your individual agreement.

Ask for clarification before accepting. A monthly payment alone does not explain the full cost of borrowing. Effective date: 2026-09-29.

You can repay all or part of your loan early without a Noyo early-repayment fee or penalty. Contact support@noyofinance.com with the amount you want to repay and your intended payment date. We provide a settlement amount or an updated repayment schedule before you proceed. Full settlement includes the outstanding principal, interest accrued up to the settlement date and any other disclosed amount already due; interest for the remaining period after settlement is not charged. A partial early repayment reduces your principal, and the revised schedule confirms the remaining installments and interest. Follow the payment instructions provided and keep funds available for scheduled installments until the early payment is confirmed. Once full settlement is confirmed, no further loan installments are due. Separate provider service charges remain governed by the provider’s terms.