Kashjoy

KB J Capital

About this app

Money matters quickly. Trust Cashjoy (Kashjoy).
Kashjoy Mobile Application makes life more comfortable. with the application cache joy Customers can access the service To check the balance, balance to be paid, news and promotions for those interested in applying for Cashjoy Loan. by registering to use the application for the first time only once and can be accessed with a 6-digit PIN code for immediate use next time. This application was developed by KBJ Capital Company Limited.
feature
- Apply for a loan online Fill out the information and upload the application documents. Waiting to hear back from the staff.
- Check outstanding balance, balance due and payment due date
- Check the credit limit/remaining limit
- Check payment history for the past 6 months
- Payment via QR Code
- Cash Joy/Promotion news
Loan amount approved up to 5 times of income but not more than 1,000,000 baht

credit terms
Revolving loan
1. The maximum interest rate is not more than 25% per annum (equivalent to 2.08% per month).
2. Minimum repayment period 3 months - maximum 60 months
3. Minimum monthly payment 2.5% of the outstanding principal. or according to the conditions specified by the company
4. Stamp duty 0.05% of the approved amount but not more than 10,000 baht.
5. Credit bureau check fee not more than 12 baht (actually charged)
6. Expenses for collection in case of late payment, no more than 100 baht per accounting cycle
Personal loan
1. The maximum interest rate is not more than 25% per annum (equivalent to 2.08% per month).
2. Minimum repayment period 3 months - maximum 60 months
3. Pay in monthly installments
4. Stamp duty 0.05% of the approved amount but not more than 10,000 baht.
5. Credit bureau check fee not more than 12 baht (actually charged)
6. Expenses for collection in case of late payment, no more than 100 baht per accounting cycle
7. No early repayment fee.

An example of calculating interest for a Cashjoy personal loan
If the credit line is approved and the contract is signed on Feb 1, 65
- Approval limit = 10,000 baht
- Amount received 10,000 baht
- Interest rate 25% per annum
- Installment period = 12 months
- Stamp duty = 5 baht (10,000*0.05%) charged with the first installment
- Credit bureau check fee = 12 baht, charged with the first installment
- Paying on the 1st day of the month
so
- 1/3/2022 Payment amount 1,928 (Stamp duty = 5 baht, credit bureau check = 12 baht, principal = 1,722.51 baht , 10 days accumulated interest = 10,000.00*25%*10/365 = 68.49 baht) Principal accrued = 8,277.49 baht
- 1/4/2022 Payment amount 1,791 (principal = 1,632.26 baht, 28-day cumulative interest = 8,277.49*25%*28/365 = 158.74 baht), outstanding principal = 6,645.23 baht.
- 1/5/2022 Payment amount 1,791 (principal = 1,649.91 baht , 31 days accumulated interest = 6,645.23*25%*31/365 = 141.09 baht) outstanding principal = 4,995.32 baht
- 1/6/2022 payment amount 1,791 (principal = 1,688.36 baht , 30-day accumulated interest = 4,995.32*25%*30/365 = 102.64 baht) outstanding principal = 3,306.96 baht
- 1/7/2022 Payment amount 1,791 (principal = 1,720.79 baht , 31 days accumulated interest =3,306.96 *25%*31/365 = 70.21 baht) outstanding principal = 1,586.17 baht
- 1/8/2022 payment amount 1,618.76 (principal = 1,586.17 baht , 30-day accumulated interest = 5,964.72*25%*30/365= 32.59 baht) outstanding principal = 0 baht

*Therefore, the total amount to be paid is 10,573.76 baht, which is 573.76 baht of interest from a principal of 10,000 baht with an interest rate (APR) of 25% per year.
**Personal loan standards under the supervision of the Bank of Thailand

for the application to cache joy More efficient in use You can suggest services or report problems using Call Center 1258 or Line id: @kashjoyofficial.

Follow more information at
Website: http://www.kbjcapital.co.th
Address: KB J Capital Company Limited
No. 89 AIA Capital Center Building, 3rd Floor, Ratchadaphisek Road, Din Daeng Subdistrict, Din Daeng District, Bangkok 10400

KB J Capital Co., Ltd. (Formerly J Fintech Co., Ltd.)

What’s new

- Bug fixes
- Fixed QR code not display on payment screen