Money that moves with you.
Chyto is a BC-based financial services app offering small-dollar micro-loans, gift cards from the brands you use every day, Chyto Coin rewards and a referral program that pays you back for sharing with friends.
See Payday Loan EligibilityWhat Chyto Offers
Everything you need in one app — transparent pricing, verified fulfillment and fair-play rewards.
Micro-loans
Short-term, small-value loans to bridge you to your next paycheque. Transparent pricing: $0.50 per $100 per day, with no hidden charges.
Eligibility & disclosure →Gift Cards
Buy gift cards instantly from your Chyto balance or credit card. An 8% Chyto fee always applies. Fulfilled by our provider, Giftronaut.
Gift Card Policies →Chyto Coin
Earn Chyto Coin through activity and referrals, and use it toward fees and purchases inside the app.
How rewards work →Referrals
Invite friends to Chyto and earn rewards when they join and qualify. Fair-play rules keep the program honest.
Referral rules →Policies & Legal
Read the fine print — every policy is plain-language and cites official BC and Canadian sources.
General Policies
Acceptable use, account rules, KYC/ID verification, privacy summary, fees, referrals and prohibited activities.
Read General Policies →Gift Card Policies
Buying, delivery, the 8% fee, exchanging Google Play cards, exchange percentages and payout verification.
Read Gift Card Policies →Payday Loan Eligibility
BC payday loan eligibility and disclosure, including your rights under BC law with links to official sources.
Read Eligibility & Disclosure →Terms of Service
The full agreement between you and Chyto: eligibility, accounts, loans, gift cards, payments, termination and more.
Read Terms of Service →