A digital money and card platform. Any KAST route must be supported for your country, account and funding currency.
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Your loan from Noyo. Your choice of card.
Your Noyo loan is credited to a debit card as available funds, not as a credit card limit. Noyo approves and funds your loan. Our partners make receiving it and making automatic repayments convenient. Choosing a card does not change your loan amount.
Check eligibility
Your next step starts with you.
A digital asset platform with a card product subject to geographic eligibility. A partnership does not make its card available in every Noyo market.
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A digital payment and card provider. Card issuance, account eligibility and conversion costs depend on the applicable provider terms.
Visit provider websiteA virtual crypto Visa card with a US dollar balance. Easily convert crypto into fiat for everyday payments.
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A cryptocurrency platform with an app for buying and managing digital assets and a prepaid Visa card for everyday spending. Card availability and features vary by country.
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A self-custodial digital finance app offering a virtual Visa card. Country eligibility and KYC apply. Card access and funding methods depend on provider terms.
Visit provider websiteBefore you choose a payout route
Availability
A card working at shops in a country does not mean every resident can apply for it.
Identity
The provider may require its own checks, even after your lending profile is reviewed.
Cost and currency
Know whether issuance, conversion, network or account fees apply and what currency you will receive.
Timing
Review the payout details in your offer and follow its account confirmation steps.
One Noyo loan. The same terms with every card.
Noyo is your lender. Your approved amount, USD currency, interest rate, term and repayment schedule stay the same whichever eligible partner card you choose. Partners provide the card or account used for payments; they do not set your loan terms. Separate card-service fees and account requirements may differ by provider.
USD payouts and repayments
Your loan is paid in USD and repayments are due in USD. Scheduled installments are collected automatically from the same debit card or associated account that received the loan, under your payment authorization. Review the exact dates and amounts before funding and keep sufficient available balance for each due date. Accepting the offer or entering a User ID does not replace payment authorization. If a collection fails, contact support; any further attempt must follow your agreement and authorization. Replacing or closing the card does not cancel the outstanding loan.
Repay early, without a Noyo penalty
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.
A PERSONAL REVIEW. A CLEAR DECISION.
Find out what you may qualify for.
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.