Finance Unlocked

Consumer finance for the next billion

PayJoy’s mobile locking technology and data science enable financial inclusion for billions worldwide.

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.

Our Commitment to Customers

We aspire to offer our customers a transparent, fair and delightful experience.

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PayJoy partners with financial institutions and retailers around the world to get customers access to credit. Here's how:


PayJoy's full-featured Checkout platform allows customers to buy a smartphone on installments, including registration, pricing, underwriting, provisioning, device management, user management, customer support, payment processing, reporting, and analytics.

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By integrating PayJoy's mobile security APIs into their devices, smartphone manufacturers can sell more phones through PayJoy financing channels.

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Our Partners