Tu acceso financiero empieza aquí

PayJoy te ofrece financiamiento de celular
y crédito para todo.

Elegir mi celular
Solicitar mi Tarjeta PayJoy
Linda Montes, Garment Maker
"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Read the Customer Story
Jorge Monroy Lazaro, Security Guard
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Read the Customer Story
Nicole Eve Aguilar, Food Cart Entrepreneur
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Read the Customer Story
Sandra Rodríguez Valgañón y Alfredo Muñoz
"Siempre lo tenemos para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente."
Read the Customer Story
Marcela Perdomo López, Founder of Arepitas Paisas
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Read the Customer Story
Mery Espinoza
"Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: estás en el camino correcto, y hay quienes creerán en ti, como PayJoy."
Read the Customer Story
Monica Fumba
"Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme conectar."
Read the Customer Story

Los bancos piden tu historia. Nosotros solo tu cédula

Three smiling vendors using smartphones at outdoor market stalls during daylight.
Financia tu celular

Un celular nuevo, en tus manos hoy

Pagos que se adaptan a tu vida, no al revés. Adquiere el celular que necesitas, hoy

Pagos cada 14 días, sin intereses moratorios

Sin historial crediticio

Compra en línea y recógelo en tu tienda más cercana

Quiero mi celular
¿Por qué PayJoy?

Crédito en menos de 3 minutos

Sin cita en el banco. Sin revisión de crédito. Solo tu Tarjeta PaJoy para usar en todo.

Sin costos escondidos ni cargos extra por pagos atrasados

Aplica en minutos solo con tu cédula

Úsala donde quieras, para lo que quieras

Solicitar mi Tarjeta PayJoy

Millones de historias de éxito, y contando

Desde emprendedores locales hasta familias que salen adelante. Esto es lo que significa tener acceso de verdad.

”Siempre la tenemos para emergencias y resolver imprevistos. Principalmente ha sido un gran apoyo para nuestro trabajo”

Sandra Rodríguez Valgañón y Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Linda Montes, Garment Maker
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Jorge Monroy Lazaro, Security Guard
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Nicole Eve Aguilar, Food Cart Entrepreneur
"Siempre lo tenemos para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente."
Sandra Rodríguez Valgañón y Alfredo Muñoz
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Marcela Perdomo López, Founder of Arepitas Paisas

Las mejores marcas.
Sin historial crediticio.

Noticias y novedades

Impacto PayJoy

Descubre más
Podcast

From Innovation to Impact: PayJoy's Financial Evolution

Discover how PayJoy has achieved remarkable growth by focusing on mission-driven strategies and innovative financial products. In this episode, Brad shares insights into PayJoy's strategic market entry, the development of the PayJoy card, cutting-edge fraud prevention techniques and future expansion into Indonesia and India.
Read more
Blog

Gig Workers and the Hidden Infrastructure of Credit Access

Across emerging markets, millions survive by patching together income from multiple, irregular jobs.
Read more
Podcast

Scaling Impact in Emerging Markets: Doug Ricket, PayJoy CEO, on Productivity Finance and Unlocking Credit Access

PayJoy CEO Doug Rickett shares how his company is unlocking credit access in emerging markets — scaling impact with AI-driven underwriting, using phones as collateral, and balancing profitability with purpose. Listen now.
Read more
Discover More