Kara-Oy () may refer to the following places in Kyrgyzstan:

Kara-Oy, Issyk-Kul, in the Issyk-Kul District, Issyk-Kul Region Kara-Oy, Naryn, in the Ak-Talaa District, Naryn Region Kara-Oy, Osh, in the Nookat District, Osh Region Kara-Oy, Talas, in the Talas District, Talas Region