Real Stories
20 Million Lives Transformed.
Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.
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"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 la tenemos para emergencias y resolver imprevistos. Principalmente ha sido un gran apoyo para nuestro trabajo".
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
Exploration
9 Countries, Millions of Stories.
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"Siempre la tenemos para emergencias y resolver imprevistos. Principalmente ha sido un gran apoyo para nuestro trabajo".
Sandra Rodríguez Valgañón y Alfredo Muñoz
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"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."
Mery Espinoza
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"Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme estar conectada."
Monica Fumba
"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
"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
Progreso Respaldado por Datos
Nuestro Impacto
Como Corporación de Beneficio Público comprometida con el crédito ético, PayJoy genera un impacto positivo en el bienestar financiero de nuestros clientes.
79%
de los clientes está totalmente de acuerdo en que PayJoy mejoró su bienestar financiero.
50%
de los clientes accede al crédito por primera vez.
47%
de los clientes son mujeres.
31%
compra su primer celular con PayJoy.
Acceso Financiero en 9 Países
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Ready to Write Your Own Success Story?
Select the product that fits your needs today and start building the credit you deserve for tomorrow.
Credit for Everything
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