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Get a phone, get a loan

PayJoy gives you credit!

Get a phone Get a loan

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.
Get a phone

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
Get a loan

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.

Mboule Badji, Customer

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!

Ahmad Safii, Customer

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.

Naseemuddin, Customer