Buy a smartphone on installment payments and build your credit history.
Apply for a cash loan from your smartphone and receive your money in minutes
We enable people worldwide in emerging markets to purchase a new smartphone on installment payments and to get cash loans using their smartphone as collateral.
We aspire to offer our customers a transparent, fair and delightful experience.
At PayJoy you only need an ID, Facebook account and a valid phone number to apply.
Use your phone as collateral to access more credit opportunities.
Every payment you make impacts your credit history in a positive way.
From Mexico to South Africa, India, and China, PayJoy is a global team that cares deeply about the future of finance.