Get a Cash Loan in minutes!

  • No late fees.
  • No bank account needed.
Available only in Mexico

This product is only available in Mexico

How it works?

No Bank? No Worries! Get a Loan in Three Simple Steps
Step 1

Download the PayJoy App. Get qualified for a loan fast. No credit score needed and no late fees to stress over.

Step 2

Choose Your Offer. Borrow any amount from $1,000 to $5,000 pesos and access your cash within minutes

Step 3

Pay off your loan and build your credit in the process.

Download The App Now Available only in Mexico

Why PayJoy?

  • No paperwork or delays. Apply right from your phone.
  • No hidden fees ever –– not even late fees.
  • Lightning fast loans. Get your money in minutes, no bank account needed.
Available only in Mexico

Millions of happy
customers and counting

Before PayJoy I didn't have a credit history and it was very difficult for me to get approved for a loan. With PayJoy I found the opportunity to receive a cash loan while building my credit history.

Tamisha Iman, Customer @TamishaIman

What I liked the most about PayJoy is that they really trusted me, they didn't ask for my credit score, they just lend me money with my national ID. That was it!

Tamisha Iman, Customer @TamishaIman

This is my fourth loan with PayJoy and now I get better offers, the first time they lend me $2,500 pesos and now I got $5,000 pesos with a lower interest.

Tamisha Iman, Customer @TamishaIman

You’ll never be charged late fees, but if you miss a payment your phone will have limited functionality. To reactivate it, all you need to do is make one weekly payment.

Frequently Asked Questions

How much can you lend me?

Choose any amount from $1,000 to $5,000 pesos.

How much will I have to pay?

The amount of fees will be calculated during your application. You will have all the details of your loan before accepting the offer.

What devices are compatible?

Our cash app is compatible with chosen Huawei and Samsung devices. You can check all PayJoy compatible models here.

How can I apply?

To start, download our app, sign in with your Facebook account, and verify your identity with just your ID. In minutes you’ll be able to select the offer you like!

I’m paying for my phone with PayJoy, can I apply?

You can pay at any convenience store or through bank transfer. For a full list of payment options, visit our app!

Can I get more than one loan?

We have stores all over Ecuador, Mexico, and South Africa. Find your nearest one here!

Contact us on WhatsApp. 55 6104 6033