Your financial access starts here

PayJoy offers affordable smartphone rental for all

Opportunity starts here
Linda Montes, Garment Maker
"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Read the Customer Story
Jorge Monroy Lazaro, Security Guard
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Read the Customer Story
Nicole Eve Aguilar, Food Cart Entrepreneur
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Read the Customer Story
Sandra Rodríguez Valgañón and Alfredo Muñoz
"We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."
Read the Customer Story
Marcela Perdomo López, Founder of Arepitas Paisas
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Read the Customer Story
Mery Espinoza
"If I could go back and meet my past self, I would tell her: you're on the right path, and there are those who will believe in you, like PayJoy."
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Monica Fumba
"Everything I do on my own now. Thank you, PayJoy, for letting me connect."
Read the Customer Story

Others need your bank history, we just need your ID

Three smiling vendors using smartphones at outdoor market stalls during daylight.
Phone rental

A new phone, in your hands today.

Smartphone ownership made simple. Get the smartphone you need today.

No late fees, flexible payment options

No bank account or credit history required

Get it same day

Pick my Phone

Millions of success stories, and counting

From local entrepreneurs to growing families, this is whataccess looks like.

"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

"PayJoy gave me the opportunity to work and keep moving forward. Does PayJoy believe in me? Of course — otherwise I wouldn't have three phones with them and a credit line. I am truly grateful for the opportunity to get my phones, to have the credit, and to get to fulfill this dream."
Linda Montes, Garment Maker
With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.
Jorge Monroy Lazaro, Security Guard
Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you
Nicole Eve Aguilar, Food Cart Entrepreneur
"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
"Did PayJoy believe in me? Absolutely. I want to invite everyone to start their own venture, because there are companies like PayJoy that help us, support us, and believe in us so we can get ahead. There will be good days and bad days — but with God's will, anything is possible."
Marcela Perdomo López, Founder of Arepitas Paisas

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