How It Works
Register as a Merchant
Merchant Login
Consumer finance for the next billion
Many people struggle to afford technology that connects them to the world economy.

Our innovative, software-enabled financing solves this problem.
  • Smartphone-enabled financing
    Our proprietary locking software creates financing collateral and allows instant approval for consumers.
    Consumers choose the flexible payment plan that best meets their needs, offered well below market rates.
    Our low rates enable consumers to adopt the technology that can improve their lives and earning potential.
    How It Works
    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!
    Register as a Reseller
    Are you a mobile phone seller?
    Click here to register with PayJoy and start increasing your sales!

    PayJoy Picks Up $18M for Smartphone Financing Plans

    Got no credit? PayJoy will finance your phone — but turn it into a brick if you don't pay

    With $4.3 Million PayJoy Is Ensuring Smartphones Land In The Hands Of The Next 2 Billion
    We believe in the power of technology to unlock financial access to a better life.
    Join our team!

    See job openings at PayJoy

    Contact PayJoy

    We're making technology affordable for everyone.

    To learn more, email us at info

    For customer service call: (888) 360-5651

    PayJoy Visitors:
    679 3rd St, 5th Floor
    San Francisco, CA 94107