| Interest Rate | 43% |
| Duration | 7 days |
| Access Level | Public |
| Company Name | Joy Cash |
| Phone 1 | |
| Phone 2 | |
| Website or Store | http://joycash.cc |
| Address | |
| Category | Dangerous Loan |
| Company Email | help@joycash.cc |
| Views | 1,753 |
Joy Cash is a leading loan app in Nigeria that offers instant credit to individuals in need. Our platform is built with a focus on customer satisfaction and we strive to provide a seamless borrowing experience to our customers. With flexible loan options, competitive interest rates, and a user-friendly interface, we help our customers to meet their financial needs with ease and convenience.
Interest Rate
At Joy Cash, we offer competitive interest rates for our loans. Our rates are dependent on several factors such as the amount of loan requested, repayment period, and other risk factors. We aim to keep our rates as low as possible so that you can easily repay your loans without worrying about high-interest rates.
Company Profile
Joy Cash is a technology-driven loan app that provides instant loans to individuals in Nigeria. Our platform is designed to be simple, fast, and secure, allowing our customers to access loans whenever they need them. We are committed to offering exceptional customer service and making the loan application process as easy and hassle-free as possible.
About Us
At Joy Cash, we believe in financial inclusion for all. We understand that not everyone has access to traditional banking services, which is why we provide an alternative solution to meet their financial needs. Our mission is to provide quick and easy access to credit to individuals in Nigeria, regardless of their financial background.
Company Services
Joy Cash provides quick and hassle-free access to credit for individuals in Nigeria. Our services include:
- Instant Loans: We offer instant loans to individuals in Nigeria without the need for collateral or paperwork. Simply download our app, complete our quick application process, and receive your loan straight into your bank account.
- Flexible Repayment Terms: Our loans have flexible repayment terms, allowing you to repay your loan over up to 180 days. This makes it easier for you to manage your finances and repay your loan without any stress.
- No Hidden Fees: We do not charge any hidden fees or transaction fees for our loans. Our interest rates are transparent, and we provide all the information upfront, so you know exactly what you are paying for.
Our Mission
Our mission is to provide quick and easy access to credit for individuals in Nigeria. We believe that everyone should have access to financial services, regardless of their financial background. At Joy Cash, we are committed to providing a seamless borrowing experience to our customers, making the loan application process as easy and hassle-free as possible.
Our Vision
Our vision is to become the leading loan app in Nigeria, offering quick and convenient access to credit for individuals in need. We aim to build a platform that is transparent, reliable, and user-friendly, where customers can access loans with ease and convenience.
Our Core Values
At Joy Cash, we are guided by our core values, which include:
- Excellent Customer Service: We are committed to providing exceptional customer service, always putting our customers' needs first.
- Cooperative Partner: We believe in building strong partnerships with our customers, working together to meet their financial needs.
- Ease of Use: We aim to make the loan application process as easy and hassle-free as possible, ensuring that our customers can access loans with just a few clicks.
- Security: We take security seriously and ensure that all customer information is protected and kept confidential.
- Instant Loans: We understand that our customers need quick access to credit, which is why we offer instant loans, providing the funds they need in minutes.
What We Offer
Joy Cash offers a range of loan options to suit the needs of our customers. Our loans range from ₦1,000 to ₦80,000, and our repayment terms are flexible, allowing you to repay your loan over up to 180 days.
Expert Counsel
Let’s discuss Joy Cash and their practices. Imagine we’re having a friendly chat, and I’ll break it down for you:
SMS and Derogatory Messages:
- Joy Cash might send messages to your contacts, letting them know you owe them money. It’s like they’re saying, “Hey, your friend owes us some cash!”
- On WhatsApp, they can get pretty harsh if you’re even just one day overdue. They’ll bombard your contacts with all sorts of not-so-nice messages.
Repayment Plans:
- Joy Cash usually sets up repayment plans that last from 6 to 14 days. But here’s the tricky part: these plans can be tough to manage. Imagine juggling hot potatoes – it’s not easy!
Interest Rates:
- Now, about their interest rates – they’re like a rollercoaster. Imagine going from 2% to 7% per day! That’s like riding a financial whirlwind.
- And guess what? If you fall behind, they’ll drag you deeper into debt. It’s like quicksand for your wallet.
Defamation Drama:
- Here’s the twist: once they’ve defamed you, don’t bother paying them back. They’ve already pocketed their cash. It’s like they’re saying, “Mission accomplished!”
- But don’t worry too much – they’re not licensed loan apps. Their only weapon is tarnishing your reputation.
Borrower Beware:
- Whatever you do, don’t borrow from another loan app to pay Joy Cash. It’s like jumping from one sinking ship to another.
- These loan sharks have their tentacles everywhere – multiple apps on mobile stores. If you think you’re escaping, surprise! You’re still in their clutches.
Truecaller to the Rescue:
- Install Truecaller on your phone. It’s like your personal superhero. It reveals who’s calling, so you can dodge their calls like Neo dodging bullets.
- Block their numbers, and let them swim in their own digital abyss.
Freedom from the Shark Tank:
- The ultimate solution? Stop borrowing. Cut the cord. Imagine a life without those loan sharks circling you.
- Block them on WhatsApp, and report their shenanigans directly to WhatsApp and Google Play. It’s like saying, “Enough is enough!”
Your Integrity Matters:
- Remember, you existed before these loan sharks slithered into your life. Don’t let them tarnish your integrity.
- Survive without them – you’ve got other means. It’s like saying, “I’ve got this!” 🌟
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Reviews
Joy-CashThis is the worst loan app have ever seen, i applied for a loan of 20k and 18k was disbursed into my account and I have to pay it back in four instalment which amounted to 32,508 naira within just 28days, have been trying to contact them to refund the money but they don't pick calls, i will never pay this crazy interest and please don't try to download or use this app, they're fraudsters and scammers.
- 3/31/2023
- Joy-Cash
This is a total scam I applied for 10,000 loan today and it shows that it was disbursed to me which was not because I couldn't see the alert and I went to the bank and they couldn't see it, so I decided to check the app again but it was saying I applied for 4,000 but the 10,000 and 4,000 was not sent to me it just keeps on telling me I'm owing
- 3/30/2023
- Joy-Cash
This is a total scam I applied for 10,000 loan today and it shows that it was disbursed to me which was not because I couldn't see the alert and I went to the bank and they couldn't see it, so I decided to check the app again but it was saying I applied for 4,000 but the 10,000 and 4,000 was not sent to me it just keeps on telling me I'm owing
- 3/30/2023
The loan app's approval process is a nightmare. It takes forever, and they ask for unnecessary information
- 3/30/2023
- Joy-Cash
This is the highest scam ever in the form of loan app. I read a users comment about been giving a loan that he didn't apply for whose interest runs up to about #16000, I thought it's not true and decided to try it myself. I applied for #4000 and the credited me with #23400 with 4 installment of 7days apart, and a payback of #10636 for each installment which amount to a total of #42544, that is close to 100% interest on the capital. Please do not download this app.. they are excutive scammers.
- 3/27/2023
- Joy-Cash
I applied for a loan. It reflected 22,200 and kept showing disbursing but they never did yet it's still showing the amount and due date. How does that happen?
- 3/26/2023
- Joy-Cash
This app downloaded on my app through a game I was playing so I decided to review the offers. To my astonishment, this scam app disbursed money to my account. I don't need your loan so I transferred it back immediately. I have trying to contact your customer service, no one is picking up tp Cancel the loan
- 3/22/2023
- Joy-Cash
Scam. So I downloaded the app, did all the necessary, they check my credit score and said I could receive #20,500, so I was expecting that just like other loan app they would display the amount, and the interest rate and how long, they didn't, they simply showed 4 installment and without my final consent disbursed #18,500 into my account and because of the the 4 installment the interest is racking up to. #15,600. I have being trying to contact them to sort all this out. No response.
- 2/27/2023
The loan app's website is not secure, and it puts your personal information at risk
- 2/17/2023
I used this loan app, and now I'm getting bombarded with spam emails and phone calls."
- 2/7/2023
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