Terms before commitment
Read the amount, interest, fees, total repayment, and due dates before making a choice.
Designed for everyday Filipinos
Borrow clearly. Choose well.
See the cost, review the terms, and choose a loan that fits your real life.
Clear terms
Your choice stays yours.
Know the full cost
Review interest, fees, and repayment dates before you accept.
Share only what is needed
Permissions should have a clear purpose and a clear explanation.
Borrow with a plan
Choose an amount and schedule you can reasonably repay.
Clear from the first tap.
PesoJoy is designed to make important details easy to find, compare, and understand.
Permissions with a purpose
Every optional permission should be explained when it is requested.
A repayment plan you can follow
See payment dates and account notices in one place.
“A loan should solve a need, not create a new one.”
PesoJoy responsible borrowing principle
A simple path from check to choice.
Each part of the application should tell you what is needed and why.
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Check your options
Confirm that borrowing fits your need and your budget.
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Share the essentials
Provide the information needed for identity and eligibility checks.
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Review every cost
Read the disclosure, fees, due dates, and total repayment.
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Choose for yourself
Accept only when the amount and schedule work for you.
Built for careful decisions.
Good borrowing starts with a realistic plan, not pressure.
Pause before accepting
Take time to compare the total repayment with what you can afford.
Keep your due dates visible
Plan each payment around your actual income schedule.
Ask when something is unclear
Use support before agreeing to a term you do not understand.
Privacy by design
Only what is needed. Nothing hidden.
Your data should support a clear service purpose, not open the door to your whole phone.
Read the Privacy Notice
Contacts
Not needed for ordinary loan processing
Selected files
Used only when you choose to upload a document
Your rights
Access, correction, objection, deletion or blocking where applicable
Questions deserve straight answers.
Start here, then use in-app support if you need help with your account.
What should I check before borrowing?
Review the principal amount, interest, every fee, the total amount you will repay, each due date, and what happens if a payment is late.
Does installing PesoJoy guarantee approval?
No. Applications are subject to eligibility, identity, affordability, credit, fraud, and other assessments. Any available offer may have separate terms.
Which phone permissions does PesoJoy use?
A feature may request access to the camera, a selected file, or notifications. PesoJoy does not need your entire contacts list, SMS content, or call logs for ordinary loan processing.
How can I make a privacy request?
Use the in-app Help Center or write to the Data Protection Officer at the company address shown in the Privacy Notice.
What if I have trouble repaying?
Contact support as early as possible to understand the options that may be available. Do not borrow from another app only to cover a payment.
