Unlock new revenue with device financing & credit
Empower more customers to buy today and keep them coming back for upgrades, accessories, and more.
With PayJoy’s Phone Financing and Credit Line, customers get the device they need today and access to flexible, fair credit for tomorrow. Increase device and accessory sales, upgrades, and loyalty.
“With PayJoy I got my first smartphone and my first credit.”
Mboule Badji, Customer
What Is PayJoy?
Our Mission
Our Mission is to create financial opportunities for people typically left out of the system, helping them access the tools they need to grow.
Our Reach
As a global company, PayJoy operates at scale across emerging markets:
8
Countries
#
Points of sale
#
Monthly transactions
#
Active customers
Who We Serve
PayJoy helps people who face barriers to traditional
credit, such as:
- No bank account
- Low or no credit score
- Lack of financial knowledge
- Missing documents (e.g. proof of address, guarantors)
50%
receive their first loan
Get a new phone today!
Qualify to buy a smartphone without a credit
card and pay weekly over 3-12 months.
card and pay weekly over 3-12 months.
Visit a PayJoy Retailer Near You.
With just your ID and phone number, we’ll approve you in minutes
Choose a Phone and Plan.
Choose from the latest smartphone models and pick a finance plan that works for you
The best brands!
Pay off your phone with our convenient payment options and build a credit history.
Find your nearest store
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Get DirectionsBrands that are compatible with PayJoy
We want to address all your needs
We want your experience with PayJoy Credit Line to always feel secure. Below we have answered some questions that might come up, if you do not find the answer you are looking for, please write to us! We’d love to help you.
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What do we offer?
No hidden costs –– not even late fees
No bank account or credit card needed
Cancel your loan and return the phone any time if it’s not working for you
PayJoy turns your phone into virtual security collateral. If you are late paying, you won’t be able to use your phone - this lets us offer you a low cost of financing with no late fees.
Miles de peruanos ya tienen celular nuevo con PayJoy
"I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it."
Mboule Badji
, Customer
"Thanks to PayJoy I was able to buy a phone with monthly payments, I'm very thankful because they gave me credit with just a few requirements"
Tamisha Iman
, Customer
"I have been saving a lot of time for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy I was so happy because I could buy a great smartphone immediately without paying the full price of it."
Khadidiatou Ndiaye
, Customer
Pay online
You can now pay your account through the Pay@ Online Portal.
We want to address all your needs
We want your experience with PayJoy Credit Line to always feel secure. Below we have answered some questions that might come up, if you do not find the answer you are looking for, please write to us! We’d love to help you.
Como funciona a PayJoy
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Onde encontrar
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Como funcionam o financiamento e os pagamentos
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Como funciona o aplicativo PayJoy
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Garantia, reparo, perda, furto e roubo
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PayJoy turns your phone into virtual security collateral. If you are late paying, you won’t be able to use your phone - this lets us offer you a low cost of financing with no late fees.
Become a PayJoy
Text Link
Get started with PayJoy and access credit opportunities easily
