Responsible lending

The review considers income, existing commitments, essential expenses and applicable verification. A request may be declined or a lower amount proposed. Do not borrow if repayments would prevent you from covering housing, food, healthcare or other essentials.

A profile is not a contract. Review total repayment, dates and every fee before accepting. Compare available alternatives and take the time you need. Never borrow to speculate on crypto, trade, gamble or repeatedly repay another loan.

Contact Noyo as soon as difficulty arises. Do not take out another loan solely to hide missed payments.

Eligibility decisions should use relevant information. Check your answers for accuracy and request clarification from Noyo if you do not understand a decision. No access to a contact list, photo library or social account is requested.

Noyo’s application fee is zero. Do not pay an advance fee, share a one-time password or disclose a wallet recovery phrase to unlock a loan.

Noyo is responsible for its credit decision and the terms of the loan it offers. The card partners provide payment and account services, not separate competing loan amounts. We assess the application before presenting a final offer; an initial prequalification is not a guarantee of funds.

Responsible entity: Noyo Finance Ltd. Questions: support@noyofinance.com.

When reviewing affordability, consider regular take-home income, essential living costs, dependants, existing repayments and irregular expenses. Use realistic amounts and disclose material changes. Income may fluctuate, and a payment that seems manageable today may be harder after a reduction in earnings or an emergency.

Do not borrow simply because an amount is available. Choose credit only when the planned repayments fit alongside essentials such as housing, food, utilities and healthcare.

Credit adds a future payment obligation. It may be unsuitable for persistent deficits, repayment of other borrowing without an affordable plan, speculative investments or gambling. Consider reducing non-essential spending, negotiating existing obligations or seeking independent debt guidance before taking another loan.

We do not promise that borrowing will improve your financial position or credit score. Declining an offer is a valid choice.

An application may be declined or the amount reduced where information cannot be verified, affordability is insufficient or eligibility requirements are not met. You can ask for inaccurate information to be corrected and request review through support@noyofinance.com.

A request for review does not guarantee approval. Where applicable, meaningful information and safeguards must be provided for decisions made solely by automated processing.

Repayments are collected from the same eligible debit card or associated account used to receive the loan, under a separate payment authorization. Keep enough available funds for each scheduled installment, including any conversion requirements. The funds credited to the card are a debit balance, not a revolving credit limit.

If the card is blocked, replaced or closed, contact us before the next payment. Revoking a payment instruction does not extinguish the underlying loan debt.

Contact support@noyofinance.com if job loss, illness, a family emergency or another change threatens your ability to pay. Explain the expected duration and the amount you can realistically afford. We may need relevant information to assess an arrangement, but do not send unnecessary medical details.

Possible support depends on your circumstances, the agreement and applicable law. Any revised plan should explain its effect on timing, interest and the outstanding balance. Do not rely on an arrangement until it is confirmed.

You may tell us if a disability, language barrier, financial difficulty or other circumstance affects your ability to understand or use the service. Contact support@noyofinance.com to request an accessible explanation or discuss an authorized representative.

Collection communications must be accurate, proportionate and respectful. Report intimidation, misleading statements or requests to pay an unofficial account through our Complaints Policy.

For independent assistance, consult a qualified local debt adviser or a recognized consumer organization: a recognized consumer or debt-advice organization in your country. Noyo support is not a substitute for independent legal, financial or debt advice.

If you suspect identity theft or financial abuse, secure your email and card account and contact abuse@noyofinance.com. Never pay a personal wallet or an “unlock fee” to release an approved loan. Effective date: 2026-09-29.

Noyo assesses income automatically using application information and permitted checks. We do not ask you to upload payslips, income certificates or bank statements as proof of income. Enter accurate monthly income and expenses in USD. Identity verification is a separate requirement.