PayJoy works in emerging markets across the globe

Our Mission

We Give Credit for Everyone

As the global middle class moves mobile, we saw an opportunity to rewrite the rules of finance for a new generation.

Fewer Restrictions. More Possibilities.

We meet our customers where they are. Even with no bank account or formal credit history, PayJoy users can access financial services and carve a route into the financial system.

What We Do & Why It Matters

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Press Resources

Press Release
PayJoy Announces Compatibility with Africa’s #1 Smartphone Manufacturer Transsion and Other Leading Manufacturers via PayJoy Access

SAN FRANCISCO, Oct. 21, 2019 /PRNewswire/ — PayJoy Inc, a leader in providing consumer finance to the next billion via smartphones, has launched…

Press Release
PayJoy Raises $20 Million In Debt Financing From Arc Labs To Bring Smartphones And Credit To The Underbanked In Mexico

SAN FRANCISCO, Nov. 1, 2018 /PRNewswire/ — Today PayJoy, a company leading credit access in emerging markets via smartphone financing, signs a $20 million debt-financing deal with…

Every year we will measure and pay to offset our carbon emissions through a project in a country where PayJoy operates. For 2022 we chose a project in Mataven, Colombia, that is protecting more than 1000 hectares of tropical forest.



Alcaldía Cuauhtemoc, Ciudad de México
Customer Service Mexico 55 5351 8341
United States

655 4th Street
San Francisco, CA 94107



Av. Paulista 1374- Bela Vista
São Paulo, SP 01310-100
South Africa

First Floor Nicolway West Corner William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191 +27872500706

9th Fl, RMZ Latitude Commercial
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024


44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048


Av. Francisco de Orellana N550

Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha

Merchants Contact:

Av. Manuel Olguín
NN°325 Santiago de Surco, Lima


Lunes a Viernes de 8:00 a 19:00

Sábado de 8:00 a 16:00

Domingos y Feriados de 10:00 a 18:00

Calle Issac Hanono Missri Torre De las Americas Torre B, Piso 9 Oficina 903