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 keep moving forward. Three phones and a credit line later — I'm truly grateful."
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. There are companies like PayJoy that believe in us so we can get ahead.”
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
Smiling woman in green sleeveless top holding a green smartphone against a yellow background.
Smiling delivery man in yellow vest holds phone showing the PayJoy app logo on screen.
Woman in green dress smiling and pointing at a smartphone showing the PayJoy app logo on yellow.

Others need your bank history, we just need your ID

Three smiling vendors using smartphones at outdoor market stalls during daylight.Smiling woman in green apron using smartphone at colorful outdoor food stall.
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 keep moving forward. Three phones and a credit line later — I'm truly grateful."
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. There are companies like PayJoy that believe in us so we can get ahead.”
Marcela Perdomo López, Founder of Arepitas Paisas

Leading range of Android brands

News & Insights

PayJoy Perspectives

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PayJoy logo with a green leaf icon on a green gradient background.
Report

The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico

As the 2026 FIFA World Cup approaches, many people across Mexico are preparing not just to watch the tournament, but to participate in the economic opportunity surrounding it.
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PayJoy logo with a green leaf icon on a green gradient background.
Podcast

From Innovation to Impact: PayJoy's Financial Evolution

Discover how PayJoy has achieved remarkable growth by focusing on mission-driven strategies and innovative financial products. In this episode, Brad shares insights into PayJoy's strategic market entry, the development of the PayJoy card, cutting-edge fraud prevention techniques and future expansion into Indonesia and India.
Read more
Blog

Gig Workers and the Hidden Infrastructure of Credit Access

Across emerging markets, millions survive by patching together income from multiple, irregular jobs.
Read more
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