Get a smartphone today!

With affordable payments
No bank account needed.

Get a new phone today!

Qualify to buy a smartphone without a credit
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.

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Why PayJoy?

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 puts you, our customer, first

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.

Millions of happy
customers and counting

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.

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

Since I bought the phone with PayJoy I've feel very close to my son, we call each other everyday. Although we don't live in the same place, we have been able to maintain our relationship through the phone.

Khadidiatou Ndiaye, Customer