Our Products

Finance for the Next Billion.

We enable access to credit

Phone Finance

Buy a phone now. Pay later.

Get Started  

How It Works

Finance a smartphone

Buy the smartphone you like on installment payments. We are compatible with Samsung, Huawei, LG, Motorola and Hisense devices.

Make weekly payments

Be sure to make your weekly payments on time to keep your phone active.

Build your credit history

Every payment you make impacts your credit history in a positive way.

"With PayJoy I was able to buy a smartphone in affordable payments"
I think of PayJoy as a very good option for acquiring a smartphone without having to pay the full price immediately. What I liked the most was their payment methods, the small weekly payments and the functionality of the PayJoy app it is very easy to pay on time.

Cash Loans

Apply in minutes!

Apply Now  

How It Works

Apply from your smatphone

You only need your ID, Facebook account and a compatible Samsung or Huawei device. No bank account needed.

Receive your money

Once approved, withdraw your money from a bank or bank transfer.

Build your credit history

Every weekly payment you make impacts your credit history in a positive way.

"It took less than 10 minutes to receive my loan!"
Excellent service and very fast process, I downloaded the app in my phone, applied and received the money immediately, This is my third loan with PayJoy. What I like the most is that I can pay the loan in affordable payments, and without any late fees.

Our Commitment to Customers

We aspire to offer our customers a transparent, fair and delightful experience.

Learn More