? App Description – FocoJá
FocoJá is a 100% digital personal credit app, developed especially for Angolans looking for fast, safe and transparent access to microcredit.

With FocoJá, you can apply for a loan directly from your cell phone, without queues, without paperwork and with approval in minutes.

✅ Main features:
Loans from Kz 10,000 to Kz 80,000
Flexible terms from 91 to 240 days
Annual interest rate (APR): up to 24%
Fees and taxes (service, transfer, VAT): up to 14%~18%

? Illustrative example:
Amount: Kz 50,000
Term: 150 days
Annual interest rate (APR): 24%
Fees and taxes (service, transfer, VAT): 14%
Total cost: Kz 50,000 × 24% ÷ 365 × 150 + Kz 50,000 × 14% = Kz 12,000
Total to be paid: Kz 50,000 + Kz 12,000 = Kz 62,000

Why choose the FocoJá app?
- 100% Digital – Request and receive your loan directly from your cell phone
- Safe and transparent – ​​Encrypted data, in compliance with LGPD Angola
- Fast approval – Intelligent analysis system, decision in minutes
- Dedicated support – Service via WhatsApp, phone and email
- No paperwork – Simple process, no need for physical documents

? Security and privacy:
All user data is encrypted and protected in accordance with the Angolan Data Protection Law (LGPD).
Check out our privacy policy: https://cliente.focoja.com/coja/privacy-agreement.html

? Customer Support:
? Email: [email protected]
? WhatsApp: +244 922413193
? Address: Rua Américo Boa, Maianga – Luanda
? Official website: https://www.focoja.com

? Download FocoJá now and have credit at your fingertips – simple, fast and reliable!