Loy began his football career at Lochryan Boys Club before joining Girvan at aged 14, then moved on to Ayr United and Kilmarnock.

[4] In August 2006, Loy was snapped up by his boyhood club Rangers for £20,000 when his contract ran out despite report from Daily Record mentioned that he "would have made the Kilmarnock first team a whole lot quicker than he will at Ibrox".

[3][5] After progressing through the ranks of the club’s academy, it was reported on 27 October 2007 that Loy signed a one-year extension to his Rangers contract to remain at Ibrox until the summer of 2009.

[8] After his loan spell at St. Mirren, Loy made his only appearance of the 2010–11 season for Rangers, coming on as a 73rd-minute substitute, in a 4–1 win against Motherwell on 16 October 2010.

[11] The next day, Loy made his Dunfermline Athletic debut, coming on as a substitute for Andy Kirk, in a 2–1 win over Queen of the South.

[14] Having agreed the loan extension with Dunfermline Athletic, Loy believed it could help him earn a first team place when he returns to Rangers.

[26] On 1 February 2011, Loy made his debut for Carlisle United, coming on as a 66th minute substitute, in a 2–0 loss against Huddersfield Town.

[31] During a 3–3 draw against Preston North End on Boxing Day, he suffered a broken leg after a nasty challenge from David Gray, leading to a nine-minute delay.

[34] His injury also led to Preston wishing Loy a speedy recovery, when the one of caretaker manager David Unsworth visited him at the hospital.

The start of the 2012–13 season saw Loy continuing to recover from a leg injury after undergoing a successful surgery, but his return was delayed further.

[38] On 8 November 2012, Loy made his return to Carlisle United’s reserve team, coming on as a 62nd minute substitute, in a 16–0 win against Penrith Rangers.

[43] After scoring two goals in two matches, Loy said in two separate interviews that he was delighted to make his return and that his absence helped him appreciate playing first-team football.

"[49] In July 2013, Loy started training with Scottish First Division side Falkirk and played as a trialist in a friendly against Forfar, scoring both goals as the Bairns won 2–1.

[53] Throughout the 2013–14 season, Loy became renowned for his hard work and composed finishing, and this helped him build a strong rapport with The Bairns faithful.

[56] He was also handed the Falkirk Herald's Starshot award for the season, previously won by fan favourites Michael McGovern, Mark Millar, Ryan Flynn and Scott Arfield.

[68] He managed to recover from injury in time for the Scottish Cup, by visiting The FA's St George's Park for two weeks.

On 23 February 2015, Loy signed a pre-contract agreement with Dundee, agreeing to join the club on a three-year deal at the beginning of the 2015–16 season.

[78] Since returning from injury, he was involved in the first team matches, a forming a striking partnership with Kane Hemmings and Greg Stewart.

[92] On 19 February 2017, Loy played a role in a match against The New Saints in the semi–finals of the Scottish Challenge Cup when he scored a late consolation, in a 4–1 win to help St Mirren reach the final.

[94] Towards the end of the campaign, Loy hit a good run of forms, scoring important goals, including a draw against Hibernian at Easter Road that resulted in the club retaining their Scottish Championship’s status for another season.

[96] He made his second debut for the club against Stirling Albion in the Scottish League Cup and set up one of the goals for Falkirk, in a 4–1 win.

[97] On 5 August 2017, however, Loy set up a goal but in the 50th minute to the game, he suffered an injury following a collision with Jack Baird and was substituted, in a 3–1 loss against his former club, St Mirren.

[103] On 21 July 2018, he made his debut for the club in a Scottish League Cup against Kilmarnock and set up the Sons’ second goal of the game, as they loss 4–2.

[104] His spell with Dumbarton was badly restricted by injuries, however, as Loy made just 12 appearances before being leaving the club a year into his two-year deal.

[1][108] In November 2011, Loy went on trial after being charged for striking Polish citizen Barbara Pason with a glass at The Corinthian Club in Glasgow.