The bank said no. Your PayJoy Card says yes.
From groceries to growing your business, use your PayJoy Card for anything. No late fees, no surprises, and backed by Mastercard
The way credit should have always worked.
Flexible credit that’s like borrowing—simple, clear, and renewed with each payment.
No hidden fees
What we tell you upfront is what you pay. No late charges, no surprises buried in the fine print.
Use only what you need
Access only what you need today. The rest stays available for whenever something comes up.
Build your credit history
Paying on time brings you closer to more benefits with PayJoy.
Money the same day
Get approved and access your funds immediately. No waiting, no branch visit, no paperwork.
Whatever you need it for, your PayJoy Card is there.
Spend what you need, use it anywhere, pay it back weekly. No bank account, no credit history, just your PayJoy Card.
Enter a number.
See what you’ll pay.
Enter an amount and see your weekly payment instantly. What you see is what you pay.*
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From ID to approved in minutes.
No appointments, no paperwork. Download the app, show your ID, and you're in.
Your phone is your guarantee.
Your phone works as your guarantee. You can manage your card in the app, check your balance, transactions, and payments. If you miss a payment, it locks until you're caught up. No hidden fees, no debt that grows.
Unlocks instantly
Make your payment and your phone unlocks right away. No codes, no waiting, no calls to make.
Your card, your control
Check balance, transactions and payments all your app. All in one place.
Always a lifeline
Emergency calls and PayJoy support are always available, even if your phone is locked.
Everything You Need to Know.
We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.
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The PayJoy Card (physical and virtual) allows you to use your available balance everywhere. You can use the Virtual Card immediately for online purchases. With the Physical Card, you can buy in thousands of stores and withdraw cash at affiliated ATMs.
Yes, at Mastercard affiliated ATMs. Select "Credit Card" and enter your PIN. As a reminder, banks do charge a fee for this usage.
Up to your available balance. You can check it anytime in the app.
Yes. It is calculated weekly based on your credit usage (purchases/withdrawals). If you have a financed phone, the minimum payment covers both the phone installment and the credit line usage.
The short answer is everywhere. Physical Card: Stores with terminals (use PIN or contactless) and ATMs. Virtual Card: Online stores like Shein, Mercado Libre, Amazon, and more. App: Cash withdrawals via BBVA or Bank Transfer.
At OXXO, 7-Eleven, Walmart, and Farmacias del Ahorro — or by bank transfer. Open the PayJoy app to choose your preferred option and get your reference code. Codes update weekly, so use the current one when paying.
Yes. Download the app and complete the application, no prior PayJoy history needed. You can also get a phone and your PayJoy Card together in one place.
Millions of success stories, and counting
From local entrepreneurs to growing families, this is whataccess looks like.
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"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda
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Pick your path to your PayJoy Card.
Open the app to see your latest offer and access your funds and PayJoy Card everywhere.
Already a Customer?
Open the app to see your latest offer. Or leave your details and we'll contact you.
New to
PayJoy?
Don’t have a phone to download the app yet? Get a phone and PayJoy Card together.
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Interested, but don't have the app or the right phone?
If you're interested, leave your details to be contacted when PayJoy Card becomes available for other mobile devices.