Akses keuanganmu mulai dari sini

PayJoy menyediakan akses smartphone dan program PayJoy untuk semua.

Pilih HP
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 and Alfredo Muñoz
"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
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
"If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy."
Read the Customer Story
Monica Fumba
"Everything I do on my own now. Thank you, PayJoy, for letting me connect."
Read the Customer Story

Bank butuh riwayatmu. Kami cukup butuh KTP-mu.

Three Indonesians using smartphones: a woman on a call, a woman showing a phone screen, and a man holding a phone.
Akses Smartphone

HP baru, langsung di tanganmu hari ini.

Pembayaran yang menyesuaikan hidupmu, bukan sebaliknya. Dapatkan smartphone yang kamu butuhkan hari ini.

Tanpa denda keterlambatan, pembayaran fleksibel

Tanpa rekening bank atau skor kualifikasi

Beli hari ini, online atau di toko

Pilih HP saya
Beli HP Online

Jutaan kisah sukses, dan terus bertambah

Dari pengusaha lokal hingga keluarga yang berkembang, inilah wujud nyata akses smartphone.

"Kami selalu memakainya untuk keadaan darurat dan menyelesaikan masalah. Ini sudah jadi andalan utama untuk pekerjaan kami."

Sandra Rodríguez Valgañón dan 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
"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
"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
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