We do things differently around here. Only relying on credit checks is old fashioned, unfair and ineffective. So we thought we’d shake things up a bit. Koyo was founded in 2018, on the principle that people should be treated fairly when it comes to credit. Most other lenders make decisions based on data from credit scoring agencies which can be months out-of-date. Our goal is to disrupt this archaic way of lending, by offering competitively priced credit through the innovative use of technology.