Our Commitment to Customers.

PayJoy Customer Charter

We aspire to offer our customers a transparent, fair and delightful experience

Transparent Pricing

See clear and transparent pricing and fees before agreeing to a contract. For instance, we never add fees or charges other than what you sign up for at point of purchase.

Lock Awareness

Know how and when the lock will be engaged and how and when your payment will unlock the device.

Direct and Easy Communication

Communicate with PayJoy 100% via digital means (without being required to exchange paper except where required by law).

Efficient Response

Directly raise concerns with PayJoy and expect to receive a response to your concern.

Emergency Services

You can use emergency services and customer service on a PayJoy locked phone regardless of lock state.

Respect and Dignity

You won’t be subject to threats or intimidation during the collection process and we won’t use your contacts or social networks to intimidate you. And all repercussions of non-payment will be clearly stated upfront (e.g. impact on credit).

Privacy

Consent and be made aware of what data and device control PayJoy has, and why. Rely on PayJoy to hold their confidential data securely.

Device Returns

Return a working device in good faith and have your loan obligation closed on return, with no negative credit impact.

Millions of success stories, and counting

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

Experiencia de cliente con PayJoy en Colombia | Linda Montes

“PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful.”

— Linda Montes, Garment Maker

Customer experience with PayJoy Mexico | Jorge Monroy

“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

How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines

“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

Ready to Write Your Own Success Story?

Select the product that fits your needs today and start building the credit you deserve for tomorrow.

Credit for Everything

Apply for PayJoy Card

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