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.

What We Do & Why It Matters

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Leadership & Board

Doug Ricket
Gib Lopez
Deepak Murthy
Irene Hendricks
Chief People Officer
Linda Schomaker
VP of People
Tom Jahnes
VP of Business Development
Betsy Dobbin
Chief Marketing Officer
Brad Pennington
President, Financial Products
Nick Zakrasek
President, Product Development
Jaideep Mirchandani
SVP Product, PayJoy Lock
Miguel DeAvila
VP of Engineering
Denisse Becerra
General Counsel & Chief Compliance Officer
Juan Castro -Zumaeta
VP of Finance
Josh McFarland
Board Director, Greylock
Todd Schell
Board Director, Warburg Pincus
John Buttrick
Board Director, USV
Alejandra Martinez S.
Board Member, Independent
Nick Talwar
Board Member, Independent
Roy Katz
Board Member, Independent
Arjan Schütte
Board Member, Core Innovation Capital

Press Resources

Press Release
PayJoy Raises $20 Million In Debt Financing From Arc Labs To Bring Smartphones And Credit To The Underbanked In Mexico

SAN FRANCISCO, Nov. 1, 2018 /PRNewswire/ — Today PayJoy, a company leading credit access in emerging markets via smartphone financing, signs a $20 million debt-financing deal with…

Press Release
PayJoy Announces Compatibility with Africa’s #1 Smartphone Manufacturer Transsion and Other Leading Manufacturers via PayJoy Access

SAN FRANCISCO, Oct. 21, 2019 /PRNewswire/ — PayJoy Inc, a leader in providing consumer finance to the next billion via smartphones, has launched…

Press Release
Introducing Goldfinch: Crypto Loans Without Collateral

We are excited to announce Goldfinch, a protocol building one of the biggest missing pieces of DeFi: loans without collateral.…

We are happy to announce that PayJoy is going 100% carbon neutral

Every year we will measure and pay to offset our carbon emissions through a project in a country where PayJoy operates. For 2022 we chose a project in Mataven, Colombia, that is protecting more than 1000 hectares of tropical forest.

Our Office Locations


Alcaldía Cuauhtemoc, Ciudad de México
Customer Service Mexico 55 5351 8341
United States

655 4th Street
San Francisco, CA 94107



Av. Paulista 1374- Bela Vista
São Paulo, SP 01310-100

South Africa

First Floor Nicolway West Corner William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191 +27872500706

9th Fl, RMZ Latitude Commercial
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024


44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048


Av. Francisco de Orellana N550

Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha

Merchants Contact: +593 1800 001 428

Av. Primavera N° 607
Urb. Chacarilla, San Borja


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