Get smartphone bargains so good it’s bonsella!

With affordable payments
No bank statements needed
If you like lay-by, you will love PayJoy

Get a brand new phone today!

PayJoy approves more than 95% of customers

Find a partner store near you.

With just your valid SA ID book, Proof of address no older than 3 months, SA phone number, email and a deposit amount, we will approve your application fast.

Choose a phone and a repayment plan.

Choose from the latest model and a payment plan suitable for you.

Best Brands!

Choose our affordable payment options and build your credit history when you pay off your phone.

Pay online

You can now pay your account through the Pay@ Online Portal.

Pay in store

The deposit in bank accounts is not an authorized point to pay. PayJoy is not responsible for payments made through unauthorized channels.

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Why Choose PayJoy?

No monthly service fees
No hidden costs –– not even late fees.
No bank account or credit card needed.
Cancel your loan and return the phone any time if it’s not working for you

Learn more

With PayJoy your phone acts as a credit guarantee. If you miss a payment, your phone will be locked. - this lets us offer you a low cost of financing with no late fees.

Hear from our satisfied customers

I have been saving a lot of time 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

Thanks to PayJoy I was able to buy a phone with monthly payments, I'm very thankful because they gave me credit with just a few requirements.

Tamisha Iman, Customer

Since I bought the phone with PayJoy I've feel very close to my son, we call each other everyday. Although we don't live in the same place, we have been able to maintain our relationship through the phone.

Khadidiatou Ndiaye, Customer

Frequently Asked Questions

How do I make an application?

You need to apply in-store at any PayJoy approved distributor.

When is my first payment due?

Days after purchase, you will need to make weekly payment

How many phones can I take with PayJoy at once?

You can only pay for one phone at a time with PayJoy. Once you finish paying, you can apply for another!

How do I know what my weekly or monthly payment price will be?

Your repayment amount will be on the contract sent to you on email and it will also be displayed on the PayJoy App

What if I miss a payment?

Your phone will lock. You wont be able to use it except when you dial our contact center or emergency.

The phone come with warranty?

The phones come with a manufacturer’s warranty limited to manufacturer’s defects, you can email supportsa@payjoy.com for more information