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

50%

Customers are
new to credit

31%

First-time
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

Board of Directors

Doug Ricket
CEO
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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
Read More
John Buttrick
USV
Read More
Josh McFarland
Greylock
Read More
Todd Schell
Warburg
Read More
Arjan Schütte
Core
Read More
Nick Talwar
Independent
Read More
Alejandra Martinez S
Independent
Read More
Roy Katz
Independent
Read More

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

Mexico
Alcaldía Cuauhtemoc, Ciudad de México
Customer Service Mexico
United States
Office:
655 4th Street
San Francisco, CA 94107

Mailing address:
P.O. Box 77052
San Francisco, CA 94107
Brazil
WeWork – Av Paulista – São Paulo, SP.
Customer Service Mexico
WhatsApp
South Africa
First Floor Nicolway West Corner
William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
India
9th Fl, RMZ Latitude Commercial
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024
China
44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
Ecuador
Av. Francisco de Orellana N550
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Canales de atención al cliente
Whatsapp: +593 96 350 7433
Call center: +593 2401 8830
Horario:
Lunes a Domingo de 8:00 a 20:00
WhatsApp
Peru
Manuel Olguín Av. – Santiago de Surco, Lima
Canales de atención al cliente
Whatsapp: +51 978662235
Call center: (01) 641-9779
Horario:
Lunes a Sábado de 8:00 a 19:00
Domingos y Feriados de 10:00 a 18:00
WhatsApp
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
Horario:
Lunes a Domingo de 8:00 a 20:00
WhatsApp
Colombia
Calle 90 # 12 - 28, Bogotá
Canales de atención al cliente
Whatsapp: +57 302 283 0945
Call center: (601) 919 7238
Horario:
Lunes a Domingo de 8:00 a 20:00
WhatsApp
Philippines
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.