Your financial access starts here

PayJoy offers phone financing

and credit for all.

Phone Financing - Learn More
PayJoy Card - Learn More
Linda Montes, Garment Maker
"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Read the Customer Story
Jorge Monroy Lazaro, Security Guard
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Read the Customer Story
Nicole Eve Aguilar, Food Cart Entrepreneur
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Read the Customer Story
Sandra Rodríguez Valgañón and Alfredo Muñoz
"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
Read the Customer Story
Marcela Perdomo López, Founder of Arepitas Paisas
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Read the Customer Story
Mery Espinoza
"If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy."
Read the Customer Story
Monica Fumba
"Everything I do on my own now. Thank you, PayJoy, for letting me connect."
Read the Customer Story
Smiling woman with red and blonde braids holding a green PayJoy card against a yellow background.
Smiling delivery man in yellow vest holds phone showing the PayJoy app logo on screen.
Smiling woman in green apron holding a green PayJoy Mastercard credit card against a yellow background.

Banks need your history. We just need your ID.

Three smiling vendors using smartphones at outdoor market stalls during daylight.Smiling woman in green apron using smartphone at colorful outdoor food stall.
Phone Financing

A new phone, in your hands today.

Payments that work with your life, not against it. Get the smartphone you need today.

No late fees, flexible payments

No bank account or credit history required

Buy it same-day online or in store

Learn More
Buy Phone Online
PayJoy Card

Credit in less than 3 minutes.

No bank appointment. No credit check. Just a limit you can use on anything.

No hidden costs, no late fees

Apply in minutes with just your ID

Use it everywhere, for everything

PayJoy Card - Learn More

Millions of success stories, and counting

From local entrepreneurs to growing families, this is whataccess looks like.

"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."

Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Linda Montes, Garment Maker
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Jorge Monroy Lazaro, Security Guard
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Nicole Eve Aguilar, Food Cart Entrepreneur
"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
Sandra Rodríguez Valgañón and Alfredo Muñoz
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Marcela Perdomo López, Founder of Arepitas Paisas
News & Insights

PayJoy Perspectives

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PayJoy logo with a green leaf icon on a green gradient background.
Report

The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico

As the 2026 FIFA World Cup approaches, many people across Mexico are preparing not just to watch the tournament, but to participate in the economic opportunity surrounding it.
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PayJoy logo with a green leaf icon on a green gradient background.
Podcast

Expanding Access to Credit

Welcome to The Financial Technology Report, a leading information source on financial technology companies and solutions.
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PayJoy logo with a green leaf icon on a green gradient background.
Podcast

From Innovation to Impact: PayJoy's Financial Evolution

Discover how PayJoy has achieved remarkable growth by focusing on mission-driven strategies and innovative financial products. In this episode, Brad shares insights into PayJoy's strategic market entry, the development of the PayJoy card, cutting-edge fraud prevention techniques and future expansion into Indonesia and India.
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