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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
    INSTANT APPROVAL
    Our proprietary locking software creates financing collateral and allows instant approval for consumers.
    LOW MONTHLY PAYMENTS
    Consumers choose the flexible payment plan that best meets their needs, offered well below market rates.
    PREMIUM TECHNOLOGY
    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!
    Team
    We believe in the power of technology to unlock financial access to a better life.
    Join our team!

    See job openings at PayJoy
    Investors

    Contact PayJoy

    We're making technology affordable for everyone.

    To learn more, email us at info @payjoy.com

    For customer service call: (888) 360-5651

    PayJoy Visitors:
    679 3rd St, 5th Floor
    San Francisco, CA 94017