---
title: "FocoJá: Personal Loans and Microcredit in Angola"
description: "Apply for a personal microloan in Angola from your phone: 10,000–80,000 Kz, repay in 91–240 days. APR up to 24% plus service/transfer/VAT."
canonical_url: "https://liners.com/focoja"
markdown_url: "https://liners.com/focoja.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/focoja/screenshot.webp?v=1779889838540"
published_at: "2026-05-31T06:12:21.890Z"
updated_at: "2026-08-31T05:10:16.372Z"
---

# FocoJá: Personal Loans and Microcredit in Angola

Apply for a personal microloan in Angola from your phone: 10,000–80,000 Kz, repay in 91–240 days. APR up to 24% plus service/transfer/VAT.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [FocoJá](/focoja)

## Summary

Apply for small personal loans in Angola in minutes

A microcredit app for consumers in Angola to request small personal loans on Android, get fast approval, and repay over flexible terms with transparent fees.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.focoja.com/ |
| Tagline | Apply for small personal loans in Angola in minutes |
| Primary country | Angola |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

FocoJá is a **digital personal loan (microcredit) app** for consumers in Angola who need quick access to small loans from a mobile phone.

Key capabilities include:
- **100% online loan requests** with phone-number registration and an in-app credit analysis flow, designed to avoid queues and paperwork
- **Loan amounts up to 80,000 Kz** (the service also advertises smaller amounts down to 10,000 Kz in app listing details)
- **Flexible repayment terms**, listed as **91 to 240 days** on Google Play
- **Transparent loan costs**, including an **APR up to 24%** plus disclosed additional fees (service, transfer, VAT)

Available on **Android** (Google Play).

Built for **B2C users in Angola** seeking fast, short-term personal loans in Angolan Kwanza.

Notable in the Angolan market context, the product positions itself as **developed for Angolans** and highlights **data protection practices** such as encryption (TLS and AES-256), alignment with Google Play user data policies, and clearly published support channels (email and WhatsApp) and a Luanda address.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Angola](/countries/angola): Market

## Related pages

- [Alternatives](/focoja/alternatives)
- [Reviews](/focoja/reviews)
- [Transparency](/focoja/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/focoja)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)