An amount based on your circumstances
Tell us about your income, expenses and needs. We review affordability before making an individual offer.
Why Noyo
A personal loan should start with you.
Your needs, your budget and your decision. Noyo brings them together in a straightforward journey: share your profile, explore an individual offer and choose whether it works for you.
Check eligibility
Your next step starts with you.A CLEARER WAY TO BORROW
Less guesswork. More understanding.
From your first eligibility check to your last repayment, you should know what happens next. Here is what that means with Noyo.
One lender. One clear offer.
Noyo makes the lending decision and sets your amount. Your card provider handles the account and payment services.
Your decision comes last
Checking eligibility does not commit you to a loan. Review the full terms and decide when you have the information you need.
KNOW WHAT YOU ARE SAYING YES TO
Your offer, explained before you accept.
A useful offer gives you more than a number. It helps you understand how borrowing fits into your month — and what it costs over the full term.
Understand rates and costs- Your approved amount and the funds you receive
- The annual rate, applicable costs and total repayment
- Each installment, its due date and the loan term
- Your payment authorization and available cancellation rights
A few steps. A clear next move.
Each stage has a purpose. Start with the essentials, then complete the details needed for a final review.
Check eligibility
Share your situation and see whether you may qualify. A preliminary amount can change after verification.
Complete your profile
Confirm your contact, address and required identity information so Noyo can review the full picture.
Review your final offer
See the amount and repayment terms together. Read the agreement and accept only if it works for you.
Choose your payout card
Use an eligible card in your own name, or visit a partner to create an account. Return to Noyo to connect it.
A FAMILIAR PLACE FOR YOUR FUNDS
Your loan. Your debit card.
Choose an available partner card to receive your approved amount. Your card choice does not change the principal Noyo offers.
- The money arrives as a debit balance, not a revolving credit limit.
- Repayments are collected from the same card under your payment authorization.
- Provider eligibility, verification, fees and currency conditions still apply.
Support should be part of the experience.
Questions before accepting? A change in circumstances after borrowing? Know where to find clear information and how to ask for help.
Answers you can explore
Read our help center for explanations about eligibility, identity checks, card accounts and repayments.
Explore the help centerRoom to ask for help
If repayments may become difficult, contact us early to discuss your circumstances and available support.
Contact NoyoA loan should fit your life.
Protect the essentials first. Consider your regular expenses, existing commitments and alternatives before borrowing. You can decide that an offer is not right for you.
Our approach to responsible lendingA 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.