Meet Sandra and Alfredo

Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda are a couple who run their own property maintenance business. They handle the work themselves — repairs, upkeep, whatever the job calls for — and like most small business owners, they keep a close eye on every peso. When something is a cost they can't absorb, they feel it immediately.

The Challenge

Alfredo needed a new phone. For someone in their line of work, that's not a luxury — it's how you stay reachable, manage jobs, and keep the business moving. But when they went to check prices, what they found wasn't in the budget.

A store employee suggested another option: a company called PayJoy.

A New Way to Pay

They'd never heard of PayJoy before that day. But they applied, got approved, and Alfredo walked out with a phone.

When he finished paying it off, a notification came through the app offering a credit line. Sandra was the first to accept it — and the first to use it.

The process was straightforward. The app walked them through everything: how long the deposit would take, whether they wanted a transfer or cash at the counter. No confusion, no runaround.

Measuring the Growth

Today, Sandra and Alfredo use their PayJoy credit for groceries, gas, and materials for work. When a slow stretch hit and jobs dried up for a few days, they used it to cover food and keep moving. It didn't solve the slow period, but it meant the slow period didn't spiral.

They've never been denied credit. They've come to count on that.