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PayJoy offers phone financing for all

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Linda Montes, Garment Maker
"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
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. There are companies like PayJoy that believe in us so we can get ahead.”
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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.”
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Smiling woman wearing red checkered dress looking at her green smartphone against yellow background.
Smiling delivery man in yellow vest holds phone showing the PayJoy app logo on screen.
Smiling woman in green apron holding a green PayJoy Mastercard credit card against a yellow background.

No bank account? No problem. 1 Valid ID lang ang kailangan.

Three smiling vendors using smartphones at outdoor market stalls during daylight.Smiling woman in green apron using smartphone at colorful outdoor food stall.
Phone Financing

Bagong phone? Abot-kamay na.

Kayang-kaya na magka-smartphone with PayJoy!

90% approval in as fast as 5 minutes

No income documents or references needed

Walang late fees o penalties

Milyon-milyong happy customers and counting.

Mula sa mga masisipag na manggagawa at mga pamilyang may malalaking pangarap, ito ang access na nagbibigay ng mas maraming oportunidad.

Gamit namin ito for emergencies at sa iba pang pangangailangan. Malaking tulong ito sa aming pamilya.

Sandra Rodríguez Valgañón and Alfredo Muñoz Pineda

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
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. There are companies like PayJoy that believe in us so we can get ahead.”
Marcela Perdomo López, Founder of Arepitas Paisas

Pwede sa halos lahat ng Android brands.

News & Insights

PayJoy Perspectives

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The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico

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Podcast

From Innovation to Impact: PayJoy's Financial Evolution

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Blog

Gig Workers and the Hidden Infrastructure of Credit Access

Across emerging markets, millions survive by patching together income from multiple, irregular jobs.
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