Los bancos piden tu historial. Nosotros solo tu INE.

PayJoy te ofrece un celular a pagos semanales desde $150 pesos y una Tarjeta PayJoy con hasta $5,000 pesos de crédito.

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 Pineda
"Siempre la tenemos para emergencias y resolver imprevisto. 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
"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."
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Monica Fumba
"Everything I do on my own now. Thank you, PayJoy, for letting me connect."
Read the Customer Story

Los bancos piden tu historial. Nosotros solo tu ID.

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. Compra el mismo día, en línea o en tienda física.

En pagos semanales.

Sin cargos por pagos atrasados.

Construye tu historial crediticio.

Conocer más
Elegir mi celular
Tarjeta 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 cargos extra por pagos atrasados

Solicítala en minutos solo con tu ID

Úsala en cualquier lugar y para todo

Solicitar mi Tarjeta PayJoy

Millones de historias de éxito, y contando

De emprendedores locales a familias que crecen, así se ve
el acceso real.

"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 la tenemos para emergencias y resolver imprevisto. Ha sido un gran apoyo para nuestro trabajo, principalmente."
Sandra Rodríguez Valgañón y Alfredo Muñoz Pineda
"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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