JoyFund

JoyFund

JoyFund provides financial solutions that fit client budgetary concerns and specific situations. We place clients at the core and leverage the latest digital technology to offer financial services that fulfil their financial needs.

ONE credit service you will ever need.
With our mobile application and online solution, our clients can get financial help without heavy application process, delays, or compromising their privacy. What’s more, they can get the funds faster than the long route of conventional companies!


Fees & Charges:

Minimum duration of payment: 3 months
Maximum repayment period: 24 months
Max. Annual Percentage Rate (APR) is 0%.
Processing Fee (Includes Legal Fee, Stamp Fee, and Service Fee)
RM300 ~ RM15000 depending on the loan amount

Early Termination Fee: None

Late Payment Interest
Late payment penalty may apply


Calculation of the Loan

Example:
Loan Amount - RM3000.00
Loan Period - 6 Months Installment
Interest Rate - 0%
Processing Fee (Includes Legal Fee, Stamp Fee and Service Fee) - RM30

Total Interest Charge: Loan Amount * Interest rate per month * Loan Period

RM3000 * 0% (Interest per month) * 6 Months = RM0

Total Repayment Amount: Loan Amount + Total Interest Charge
RM3000 + RM0 = RM3000

Monthly Installment Calculation: Total Repayment Amount / Loan Period
RM3000 / 6 Months = RM500

Total Cost of Loan = Processing Fee + Profit Rate Charges
Total Cost of Loan = RM30 + RM0 = RM30

Others:
Minimum repayment period 100days
Maximum repayment period 730days
Maximum Annual Percentage Rate 30%
Including all applicable fees (Service Fee, Legal Fee, Stamp Fee)


Terms and Conditions:
https://www.joyfund.asia/terms-conditions/

Privacy Policy
https://www.joyfund.asia/privacy-policy/


JoyFund