INSTANT APPROVAL
Our proprietary locking software creates financing collateral and allows instant approval for consumers.
LOW MONTHLY PAYMENTS
Consumers choose the flexible payment plan that best meets their needs, offered well below market rates.
PREMIUM TECHNOLOGY
Our low rates enable consumers to adopt the technology that can improve their lives and earning potential.
Customers register for PayJoy at a local merchant with their Facebook account, phone number, and government issued I.D.
Customers choose a smartphone, make a reasonable deposit, and choose the 3, 6, 9, or 12 month payment plan that works for them.
Merchants install the PayJoy software on the new phone. Once the purchase is paid in full, the phone is fully unlocked!
