Koyo, a trading name of Koyo Loans Ltd, is a direct lender in the United Kingdom focused on offering fairer credit options. The company's mission is to provide loans to individuals who may be underserved by traditional lenders, such as those with thin or non-traditional credit files. Koyo utilizes Open Banking technology to securely analyze applicants' real financial data from their bank accounts, focusing on affordability and financial behavior rather than solely relying on credit scores. This approach allows them to make more informed and inclusive lending decisions.

Founded in

United Kingdom