Follow Us

Own Your Smartphone,
Your Way

Build your credit today!

Get a phone

Get a new phone today!

Join 10 million happy customers by applying for your Smartphone Today! Pay a small deposit and the rest over 3, 6 or 9 months.
  • No bank account? No problem!
  • Affordable phone rental.
  • Compatible with the best brands.
Get a phone

Brands that are compatible with PayJoy

Get your smartphone today and pay the rest over 3, 6 or 9 months

All you need is:
  • Valid South African ID / Passport
  • Valid Email Address
  • Valid SIM card
  • Each payment help build your credit history
Get a loan

Millions of happy
customers and counting

I was spending a lot of time looking 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

During a financial difficulty I was having, PayJoy made it possible for me to get a fast smart phone for work and to video call my family. And it's easy to make payments over time!

Ahmad Safii, Customer

I needed a new phone for my job, I have a Men's hair salon and thanks to PayJoy I was able to buy a smartphone to search for new trends and learn them through YouTube videos and social media, now I have built a career thanks to all the features I've discovered on it.

Naseemuddin, Customer