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Joykwa limited

Jelly Bean

We have collected the most reliable online loan lenders in Kenya, Philippines India and Nigeria for you.
Mini Loan terms in Nigeria
Loan Amount: from ₦.5000 to ₦. 350,000.
Processing Fee: 5% of principal amount with minimum amount ₦ 200 and maximum amount ₦ 2000.

Representative Example loan calculation:
For instance, 61day loan with a principal amount of ₦ 10000
The processing fee would be ₦500 
The interest would be ₦ 205.48 
The total amount due is ₦ 10705.48 and monthly payment due will be ₦ 5352.74 

Mini Loan terms in Kenya
Loan Amount: from Kes.1,500 to KES. 100,000.
Processing Fee: 5% of principal amount with minimum amount KES 60 and maximum amount KES 600.

Representative Example loan calculation:
For 61day loan tenure
A principal amount of KES 3000, 
Processing fee would be KES 150 
And the interest would be KES 61.64 
And the total amount due is KES 3211.64 and monthly payment due is KES 1605.82.

Loan terms in Philippine
Loan Amount: from ₱.700 to ₱. 44500.
Processing Fee: 5% of principal amount
Minimum amount: ₱27 and maximum amount: ₱270.

Representative Example loan calculation: 61 day loan with a principal amount of ₱1300, the processing fee would be ₱65 and the interest would be ₱26.71 and the total amount due is ₱1391.71 and monthly payment is ₱695.8

Loan Terms in India
Interest and other applicable charges
• Annual Percentage Rate (APR)  – 33.46%
• Loan tenure 62 days to 180 days 
• Processing fee, 2% or 1200 whichever is higher

 

Sample loan calculation
Loan amount: ₹ 30,000 at interest rate of 33.46% p.a.
Loan Duration: 90 Days
Total Interest = ₹ 2,475
Processing fees (PF) + GST = ₹ 1000 + Rs 180 = ₹ 1,180
Total Deductibles (PF + GST+ Interest): ₹ 3,655
In-Hand Amount: Loan Amount - Total Deductibles = ₹ 30,000 - 3,655 = ₹ 26,345
Total repayable Amount: ₹ 30,000
Monthly EMI Repayable: ₹ 10,000
The deductibles (interest + PF + GST) are deducted upfront during the loan disbursal.

Contact Us:
We’re always excited to hear from you! If you have any feedback, questions, or concerns, please e-mail us at joycekwamboka33@gmail.com
Address: Skylark Building. Langata Road. Nairobi, Kenya
DISCLAIMER:
We do solemnly concur and abide to Google’s policies especially on protecting users from deceptive or harmful financial products.
Loan consumers require information about the quality, features, fees, risks, and benefits of loan products in order to make informed decisions about whether to undertake the loan. Please make sure you read and understand our Privacy Policy and Terms and Conditions which are also in our app before aplying for a loan.
Our services are provided withouth any warranty, if you are dissatsfied at any point with respect to our terms, you reserve the right to discontinue using the service.

We are not direct loan lenders, we only link you to loan apps that are already published on Google play store. our app is only a platform that facilitates entities that are duly registered to give loans to end users, and is not involved in the administration or the recovery of the loans granted to end users


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