Having a new smartphone has never been easier!

  • With affordable payments
  • No bank statements needed
  • Build your credit history

Get a brand new phone today!

Find a partner store near you

With just your valid ID card, PH phone number, email and a down payment, we will approve your application fast.

Choose a phone and a repayment plan

Choose from the latest model and a payment plan suitable for you.

Best Brands

Choose our affordable payment options and build your credit history when you pay off your phone.

PayJoy compatible brands

Why Choose PayJoy?

  1. No monthly service fees
  2. No hidden costs –– not even late fees
  3. No bank account or credit card needed
  4. Cancel your loan and return the phone any time if it’s not working for you
  5. Instant approval

Frequently Asked Questions

We want your experience with PayJoy to always be safe. Here we answer some questions you might have. If you can't find the answer you're looking for, write to us! We'll be happy to help.

How to apply?

You need to apply in-store at any PayJoy approved distributor.

When is my first payment due?

7 days after purchase, you will need to make the first payment.

How many phones can I purchase with PayJoy at once?

You can only purchase one phone at a time with PayJoy. Once you finish paying for your first smartphone, you can apply for another one.

How do I know what my weekly or monthly payment amout will be?

Your repayment amount will be on the contract sent to you on email and it will also be displayed on the PayJoy App.

What if I miss a payment?

Your phone will lock. You wont be able to use it except for when you dial PayJoy's contact center or emergency calls. Once the payment is made the phone will unlock and normal usage of it will return.

The smartphone come with warranty?

The smartphones come with a manufacturer’s warranty limited to manufacturer’s defects, you can email support-ph@payjoy.com for more information.