Getting a new phone has never been easier
Check your eligibility in minutes, then visit a nearby kiosk or partner store to complete your application.
It’s this simple
Get approved online in minutes with your ID and a photo.
Visit your nearest kiosk or partner store and finalise your application.
Transparency from day one
At PayJoy, we believe in you.
Simple requirements
All you need is a Valid South African ID.
Fixed payments
Monthly or weekly, with thousands of convenient payment options.
No late fees
Catch up on your payment and keep going.
A simple path to owning your phone.
Work towards ownership with clear, upfront payments and no hidden costs.
How does it work?
If you miss a payment, your phone may be temporarily locked as a reminder. We don’t charge late fees or penalty interest, you only pay what’s pending, and your phone is instantly unlocked once you’re back on track.
What if you know you won’t make the payment on time?
If a payment is missed, your phone may be temporarily locked as a reminder. There are no penalty fees, just pay the outstanding amount and your phone will be unlocked immediately.
Compatible with the brands you already know
