PayJoy works in emerging markets across the globe
Our Mission
We Give Credit for Everyone
As the global middle class moves mobile, we saw an opportunity to rewrite the rules of finance for a new generation.
Fewer Restrictions. More Possibilities.
We meet our customers where they are. Even with no bank account or formal credit history, PayJoy users can access financial services and carve a route into the financial system.
Our Impact
As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.




13m+
Customers Served
79%
Customers strongly agree PayJoy improved their financial well-being.
47%
Customers are
women
women
50%
Customers are
new to credit
new to credit
31%
First-time
smartphone users
smartphone users
Financial Access in 8 Countries
Mexico
Colombia
Brazil
Panama
Peru
Ecuador
South Africa
Philippines
Our Commitments
At PayJoy, we are committed to fair and best-in-class treatment of customers. Our Customer Charter sets the guidelines, including pricing rules on how we engage with our customers ethically.
No Accruing Interest
Our pricing is fixed hence simple to understand. Customers clearly see the total fixed amount they have to pay before agreeing to a contract.
No Debt Trap
Customers who buy a phone with PayJoy always have the option to return the phone at any time and have their debt canceled.
No Late Fees
The total cost of financing is fixed at the time of purchase, and that amount never increases over time, even if customers are late.
No Loan Stacking
To help our customers improve their financial stability, we make sure our customers are not building up debt from other lenders.
Leadership

Doug Ricket
CEO

Bill Yialamas
Chief Financial Officer

Irene Ruiz
Head of People

Brad Pennington
President, Financial Products

Nick Zakrasek
President, Product Development

Gib Lopez
COO

Deepak Murthy
President, GTM

Priscila Barrantes
VP & Country Manager
PayJoy Mexico
PayJoy Mexico
Board of Directors
Doug Ricket
CEO
Read More
John Buttrick
USV
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Josh McFarland
Greylock
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Todd Schell
Warburg
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Arjan Schütte
Core
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Nick Talwar
Independent
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Alejandra Martinez S
Independent
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Roy Katz
Independent
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Board of Directors
Doug Ricket
CEO
John Buttrick
USV
Josh McFarland
Greylock
Todd Schell
Warburg
Arjan Schütte
Core
Nick Talwar
Independent
Alejandra Martinez S
Independent
Roy Katz
Independent


We are happy to announce that PayJoy has been 100% carbon neutral since 2022
Every year we measure and pay to offset our carbon emissions through a project in a country where PayJoy operates. For 2024, we are delighted to announce we are funding a forest protection project in Cujubim, Brazil through ClimatePartner.
Offices
United States
Office:
655 4th Street
San Francisco, CA 94107
Mailing address:
P.O. Box 77052
San Francisco, CA 94107
655 4th Street
San Francisco, CA 94107
Mailing address:
P.O. Box 77052
San Francisco, CA 94107
South Africa
First Floor Nicolway West Corner
William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
China
44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
Ecuador
Av. Francisco de Orellana N550
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Canales de atención al cliente
Whatsapp: +593 96 350 7433
Call center: +593 2401 8830
Call center: +593 2401 8830
Horario:
Lunes a Domingo de 8:00 a 20:00
Peru
Manuel Olguín Av. – Santiago de Surco, Lima
Canales de atención al cliente
Whatsapp: +51 978662235
Call center: (01) 641-9779
Call center: (01) 641-9779
Horario:
Lunes a Sábado de 8:00 a 19:00
Domingos y Feriados de 10:00 a 18:00
Domingos y Feriados de 10:00 a 18:00
Panama
Clayton, Ciudad del Saber, calle Winthrop, edificio 240, piso 2 oficina C
Canales de atención al cliente
Whatsapp: +507 6262 7714
Call center: +507 216 9090
Call center: +507 216 9090
Horario:
Lunes a Domingo de 8:00 a 20:00
Colombia
Calle 90 # 12 - 28, Bogotá
Canales de atención al cliente
Whatsapp: +57 302 283 0945
Call center: (601) 919 7238
Call center: (601) 919 7238
Horario:
Lunes a Domingo de 8:00 a 20:00
Philippines
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.