Joy Cash

Trusted by millions, Joy Cash offers flexible & instant credit to build your financial future.

Joycash key features

No paperwork, collateral, Register fee needed

Only 1 ID & Bank Account needed

Up to 180 days to repay. Rates as low as 0.1% per day

Double or triple your credit limits

How to get a Joy cash loan

Apply in Mins

Download the app and fill in a few simple information so we can give you a customized credit score.

Choose your Terms

Confirm your desired amount and select your target repayment date.

Get your Cash

Funds sent directly to your Bank account.

Repay Easily

Use Online payment or our ussd code and the phone number you signed up with. You can pay in full or make partial payments anytime, on or before your due date.

Borrow Again

After repaying, check your higher limit and apply again to receive your next round of funds.

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ULTIMATECONTROL

• Choose to borrow for up to 180 days

• If your plans change, the cost of your line of credit will automatically adjust

• There are no unclear descriptions of fees, and there are no fees for unsuccessful applications guaranteed! You decide when you are ready to repay

NO HIDDEN FEES

• Daily interest rate as low as of 0.1% (that is only ₦10 per day for borrowing ₦10000)

• Only pay for days you need

• No access charges

FAST LIMIT GROWTH

• Limits up to ₦ 100,000

• Fastest limit growth in the industry

• Most customers double limits in months

SECURE

• JoyCash secures your personal information with SSL encryption

• We pride ourselves in treating customers with respect, even if you are late on repayment

Why choose JoyCash

Coolest and easy loan app so far, too easy and quick to disburse cash. I really do love this app but the initial amount is too small and interest rate is on the high side.

- Samson Ambrose

It's been awesome with this app, I found it very helpful to those people who are finding it difficult to meet up with their daily income. Joy Sach is so wonderful with a unique way created for loaners to pay back, no stress when paying back. Thanks a lot. The application is very useful to me.

- Uju Orizu

This is the best app so far, no delay in disbursement with fast and low interest, i recomend this app to every one in need of quick loan. thanks to the management. It is a well orgarnised app, hurry and get your loan without delay.

- Samuel

One of the very few loan app with low interest, hopefully, as I pay back early, the interest rate will be low, and loan amount increase. The app is fast, easy and the disbursement is very fast and convenient. I recommend anyone to give them a try, and they'll be definitely convinced.

- John Zacheus Odewande

User reviews

* The following reviews are all from real user reviews on Google Play.