# 20 Million Lives Transformed.

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.

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## Customer experiences

### Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube

[Experiencia de cliente con PayJoy en Colombia | Linda Montes](https://www.youtube.com/watch?v=0ZU3AGp9aDk)  
"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 - YouTube

[Customer experience with PayJoy Mexico | Jorge Monroy](https://www.youtube.com/watch?v=RotbIu5vsKQ)  
“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 - YouTube

[How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines](https://www.youtube.com/watch?v=6vLQhubBN1U)  
“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

### PayJoy Credit Line - Customer testimonial México 2024 - YouTube

[PayJoy Credit Line - Customer testimonial México 2024](https://www.youtube.com/watch?v=l8eY-3UBR10)  
“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

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### ¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube

[¡Marcela comparte su experiencia con PayJoy! | Colombia 2025](https://www.youtube.com/watch?v=FLXj_T0atAo)  
“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

## **Success Measured in Human Impact.**

We track our impact rigorously. Our data is audited and published annually to maintain total transparency with our stakeholders.

### 79%
**Improved financial well-being**  
### **50%**  
**New to credit**  
### **47%**  
**Customers are women**  
### **31%**  
**First-time smartphone users**

### **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

### Get your Phone Today

Get my phone  
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