Hidden Costs and Poor Service – My PayJoy Experience

I purchased a phone through PayJoy on 12 January 2026. When I got home, I realized I was being charged over R10,000 for a phone that normally costs R7,000 and was on sale for R6,500. The interest amount being almost half the cost of the device is absolutely unreasonable. On 13 January 2026, less than 24 hours after the purchase, I reached out to cancel. I was informed that I would still be charged R3,120 at the end of January, provided I return the device the same day. When I asked what exactly I would be paying for—considering the device hasn’t been in my possession for more than 24 hours and I wouldn’t be able to use it for the rest of the month as I was instructed to return the device to the store—I received no clear explanation. Instead, the agent abruptly ended the WhatsApp chat. This experience is highly upsetting and feels like daylight *******. Charging such exorbitant fees for a cancellation within 24 hours, without proper communication or transparency, is unacceptable.