Get a phone, get a loan
PayJoy gives you credit!
Get a new phone today!
Qualify to buy a smartphone without a credit card and pay weekly over 3-12 months.
- No bank account? No problem!
- Buy now and pay later!
- Compatible with the best brands.
Brands that are compatible with PayJoy
Get a cash loan in minutes
Use your smartphone to qualify, get approved with only your ID.
- No late fees
- No bank account needed
- Approved in minutes
Millions of happy
customers and counting
I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it.
During a financial difficulty I was having, PayJoy made it possible for me to get a fast smart phone for work and to video call my family. And it's easy to make payments over time!
I needed a new phone for my job, I have a Men's hair salon and thanks to PayJoy I was able to buy a smartphone to search for new trends and learn them through YouTube videos and social media, now I have built a career thanks to all the features I've discovered on it.