The phone you want. Fixed payments that don't pile up.
Pay weekly or monthly over 3–12 months.
No bank account needed. No late fees.
Two ways to get your phone.
Buy in store or online and pick up near you. Just your ID and a phone number.
Big brands. Small Payments.
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From ID to approved in minutes.
You don't need a credit history. You don't need a bank account. Just your ID and a few minutes.
Your phone is your guarantee.
Instead of a credit check, your phone is the collateral. Pay weekly, stay unlocked. No hidden fees, no debt that grows.
Easy reminders
With a single payment, your phone is unlocked instantly. Payments don't accumulate; it's always just one payment.
Unlocks instantly
Make your payment and your phone unlocks right away. No codes, no waiting, no calls to make.
Always a lifeline
Emergency calls and PayJoy support are always available, even if your phone is locked.
Everything You Need to Know.
We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.
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It's a lease-to-own product. No sign-up fees, no annual fees, no late fees — no hidden charges of any kind.
Choose from HONOR, VIvo, Oppo, realme, motorola, xiaomi, Samsung, Tecno, Infinix, itel. Available models vary by store and country
A valid photo ID and an active phone number. That's it.
Between 25% and 30% of the phone's price, depending on the model.
Your rate is calculated at the time of purchase. You'll see every cost clearly before you commit — no surprises.
At any convenience store, or at the store where you bought your phone, or according to your country rules.
Please visit one of our PayJoy kiosk or PayJoy partner stores to view the select range of devices available to you.
Find the nearest PayJoy kiosk or PayJoy partner stores by clicking Store Locator
Millions of success stories, and counting
From local entrepreneurs to growing families, this is whataccess looks like.
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"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 Pineda
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Find A Store to Buy a Phone with PayJoy
Prefer to handle your credit in person? Visit any of our thousands of authorized retail locations to withdraw cash, pay for products, or get help with your application.
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