Turn Every “No” Into a Sale.

90% of your customers get approved on the spot. More sales, no risk to you.

87%

Customers Feel More Financially Secured

33%

Customers are New to Credit

31%

Customers Are First-Time Smartphone Users

20M+

Customers Served

+100%

Monthly Sales Volume

+33%

Transaction Value

90%+

Approval Rate for New Customers

18M+

Customers Served

Setup takes minutes. Sales start immediately.

We handle the credit. You collect the sale.

Apply with just an ID

No bank account. No credit history. Customers just need a valid ID and 2 minutes.

Approved at checkout

Your staff runs the process. The customer applies on the spot and gets a decision immediately. We approve >90% of phone finance applications.

Upfront payment

PayJoy sends you the full amount right away. If a customer misses a payment, that's our problem—not yours.

Digital Registration

No bank account or credit history required

Why PayJoy?

Your customers are ready to spend. We make it possible.

PayJoy takes on 100% of the credit risk. If a customer misses a payment, it’s on us.

Keep them in store

Don't lose a sale because a customer got rejected. PayJoy approves over 90% of applicants on the spot.

Sell what’s wanted

When customers have credit, they don't settle—they upgrade. Stock the brands worth selling, and we'll make sure they can afford them.

Sales after the sale

Once a customer has the PayJoy card, every visit is a buying opportunity, from headphones to appliances. You close it, we cover it. You get paid upfront every time.

Brands that are compatible with PayJoy

How it works

Their phone is their guarantee.

Miss a payment—the phone locks. Make the payment? It unlocks. No late fees added either way.

Easy reminders

Miss a payment? Your phone locks until you catch up. No extra charges added.

Unlocks instantly

Make a payment and a PayJoy phone unlocks right away. No codes, no waiting, no calls to make.

Always a lifeline

Emergency calls and PayJoy support are always available, even if the phone is locked.

Millions of success stories, and counting

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

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Customer testimonials

Linda Montes, Garment Maker
"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."

Jorge Monroy, 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.”

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.”

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.”

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.”

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.”

Monica Fumba
“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”

Seamless Operations

Works with what you already have.

Pricing, transactions, data — all synced to your existing setup. One integration, however many stores you run.