PayJoy Credit

May instant credit ka sa PayJoy QR. Gamitin kahit saan na may QRPH.

Pambili ng daily needs or essentials? Sagot ka ng PayJoy QR! Pwedeng gamitin sa libo-libong merchants na may QRPH. 

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Credit Made For You

Ang credit na simple at swak sa’yo.

Flexible credit na parang paghiram: simple, malinaw, at nare-renew sa bawat bayad.

Walang hidden fees

Ang nakikita mong amount, 'yun lang ang babayaran mo. Walang late fees, walang hidden charges.

PayJoy Card with $350 available and $1,000 limit displayed on a white background.
Gamitin lang ang kailangan mo

I-access lang ang kailangan mo ngayon. Ang balance mo, laging available para sa susunod na pagkakataon.

Palaguin ang credit history mo

Bawat on-time payment, mas malaki ang chance mong tumaas ang credit line mo.

I-scan, bayad agad

Scan lang ang QRPH, confirm, bayad agad.

One QR Credit. Every Need.

Kahit ano pa man ang kailangan mo, sagot ng PayJoy QR.

Gamitin kahit saan na may QRPH. Hindi kailangan ng bank account,credit history, o credit card—PayJoy QR lang.

Learn More

QR para sa mga biglaang kailangan

Pang-emergency o anumang biglaang gastusin. May PayJoy QR kang maaasahan.

QR para sa negosyo mo

Pang-restock ng paninda, pambili ng supplies, o pangdagdag puhunan. Gamitin ang PayJoy QR kapag kulang ang budget.

QR para sa pang-araw-araw

Pambayad ng grocery, bills, load, o online shopping. Gamitin ang PayJoy QR kahit saan may QRPH.

Alamin ang bayarin

Maglagay ng amount.  ‍
‍Alamin ang babayaran mo.

I-type lang ang amount at makikita mo agad ang weekly payment mo.

How much credit do you need?
$
1000
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Your estimated weekly payment:
$72 for 26 weeks
Ang calculator ay based sa average interest rate ng aming customers at hindi eksaktong halaga na maaalok sa'yo. Kumpletuhin ang application sa PayJoy app para sa iyong specific offer.
Get Started

Valid ID lang ang kailangan.

Walang appointment, walang maraming requirements. I-download lang ang app, ipakita ang valid ID, at pwede ka nang mag-apply.

Learn More

Active agad

Kapag approved ka na, ready na agad gamitin ang PayJoy QR mo. I-scan lang ang QRPH at puwede ka nang magbayad.

Walang extra interest kung ma-late

Kung ma-late ka sa payment, wala kaming late fees o dagdag na interest.

Palakihin ang credit limit mo

Bawat on-time payment, puwedeng tumaas ang credit limit mo.

Paano Gumagana?

Ang cellphone mo, ang garantiya mo.

Hindi mo kailangan ng credit history, sapat na ang cellphone mo.

Smiling man in gray shirt holding and pointing at a green smartphone outdoors near yellow chairs.Smiling man pointing at a green smartphone in an outdoor urban setting.

Payment reminders

Makakatanggap ka ng reminders bago at sa mismong due date para hindi mo makalimutang magbayad.

Scan, confirm, bayad agad

Bawat payment, simple lang—i-scan ang QRPH, i-confirm ang payment, tapos na. Walang hidden fees o additional charges.

Laging accessible ang customer support

May tanong o concern? Nandito ang PayJoy Support sa app, WhatsApp, at Viber para tulungan ka.

Lahat ng Kailangan Mong Malaman

Common Questions (FAQ)

We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.

Ano ang PayJoy QR

Ang PayJoy QR ay isang credit line na ginagamit mo gamit ang QR lang: walang physical o virtual card, ngayon man o sa hinaharap. I-scan ang dynamic o static QR code ng merchant, kumpirmahin ang bayad, tapos na.

Paano mag-apply?

Kailangan mo lang matanggap ang imbitasyon mula sa PayJoy app, kumpletuhin ang Work & Income at Personal Information steps, at i-activate ang PayJoy Credit mo.

May minimum weekly payment ba?

Oo. Kinakalkula ito kada linggo base sa paggamit mo ng credit (mga withdrawal/pagbili gamit ang QR).

Saan ako makakagamit ng PayJoy QR?

Kahit saang merchant na tumatanggap ng QR PH: dynamic o static QR code. Ito lang ang paraan; walang card option.

Paano kung may problema sa pagbayad?

Kung na-reject ang bayad o expired ang QR, walang charge na gagawin at hindi magagamit ang credit mo: puwede kang mag-try ulit.

Bago ako sa PayJoy, puwede ba akong mag-apply?

Oo: kailangan mo lang matanggap ang imbitasyon at kumpletuhin ang application sa app.

Paano ako makikipag-ugnayan sa PayJoy support?

Hotline: +63 1800 1 550 0165. Customer WhatsApp: +639660196967. Email: customersupportph@payjoy.com. Viber: PayJoy Philippines Customer Support (verified Business account).

Millions of success stories, and counting

From local entrepreneurs to growing families, this is whataccess looks like.

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
“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.”
Mery Espinoza
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”
Monica Fumba

Piliin kung paano makukuha ang PayJoy QR mo.

Open the app to see your latest offer and access your funds and PayJoy Card everywhere.

Customer na ba?

Buksan ang app para makita ang latest offer mo at ma-access ang balance at PayJoy QR mo.

Buksan Ang App
Smiling woman in green apron holding a green PayJoy Mastercard credit card.

Bago ka sa PayJoy? 

Kunin ang phone financing at PayJoy QR mo sa isang application.

Get PayJoy Card and Phone
Mobile screen showing PayJoy app with payment info and a green PayJoy Mastercard credit card.
Start Growing

Interesado pero walang compatible na phone o app?

Kung interesado ka, iwan mo ang iyong detalye para makontact ka namin kapag available na ang PayJoy QR sa iba pang mobile device.

Thank you!!

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