Lo-Toga is an Oceanic language spoken by about 580 people on the islands of Lo and Toga, in the Torres group of northern Vanuatu. The language has sometimes been called Loh [sic] or Toga, after either of its two dialects.

The language is named after the two islands where it is spoken: Lo and Toga.

Its 580 speakers live mostly in Lo and Toga, the two main islands in the southern half of the Torres group. The same language is also spoken by the small populations of the two other islands of Linua and Tegua.

Lo-Toga is itself divided into two very close dialects, Lo (spoken on Lo island) and Toga (spoken on Toga). The inhabitants of northern Vanuatu generally don't draw a distinction between dialects and languages.

Conversely, Lo-Toga is a distinct language from the other language of the Torres group, Hiw.

The Lo dialect of Lo-Toga phonemically contrasts 16 consonants and 13 vowels.

The 13 vowel phonemes of the Lo dialect include 8 monophthongs /i e ɛ a ə ɔ o ʉ/, and five diphthongs /i͡e i͡ɛ i͡a o͡ə o͡ɔ/.

Stress may either fall on the penultimate or final syllable, reminiscent of the neighboring Hiw language.