PayJoy Credit Line:
Money When You Need It.

Available to all PayJoy app users
and for download on Samsung devices.

With PayJoy Credit Line,
your financial cushion is where you are

Credit that is renewed with each payment
Cash whenever
you need it
Secure, transparent, and easy to navigate

Discover our app

We went digital so you always have your money with you when you need it.
Easy, fast, and without so much paperwork

Request your credit.
It will take you less than 2 minutes.

New to PayJoy? Download the app. Already a user? Just open the app to see your offer.
Your money fast available in less than 24hrs.
Use your PayJoy Card or withdraw cash at any BBVA branch.

Millions of happy
customers and counting

" I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it. "
Naseemuddin
, Customer
" During a financial difficulty I was having, PayJoy made it possible for me to get a fast smart phone for work and to video call my family. And it's easy to make payments over time! "
Naseemuddin
, Customer
" I needed a new phone for my job, I have a Men's hair salon and thanks to PayJoy I was able to buy a smartphone to search for new trends and learn them through YouTube videos and social media, now I have built a career thanks to all the features I've discovered on it. "
Naseemuddin
, Customer

We want to address all your needs

We want your experience with PayJoy Credit Line to always feel secure. Below we have answered some questions that might come up, if you do not find the answer you are looking for, please write to us! We’d love to help you.
How do I withdraw my money?

To withdraw your money you only have to go to any BBVA branch at the window with your current INE/IFE.

How much money can I withdraw?

Any amount you want! It can be the total amount available or a part of your available funds. Just remember that the minimum is 100 pesos.

Can I cancel or modify a withdrawal request?

For security reasons, you cannot cancel or modify your request. You have to wait 7 days, which is the period in which your withdrawal request expires, in order to start a new one.

How soon will my withdrawal be available?

Your withdrawal code will appear on the main screen of the PayJoy app within 24 hours.

Where can I make my payments?

You can make your payments in places like OXXO, 7-Eleven, Walmart and Farmacias del Ahorro or by bank transfers. Through the PayJoy app, you can choose the option that suits you best. You will then receive a reference code, which is updated weekly, which you must use when paying.

Can I use the PayJoy Credit Line if I haven't used PayJoy before?

You can request the line of credit if you are new to PayJoy, just download the app and complete the application process, for now only available for Samsung devices.