Your financial access starts here

PayJoy offers phone financing and credit for all.

Phone Financing

Payments that work with your life, not against it. Get the smartphone you need today.

• No late fees, flexible payments
• No bank account or credit history required
• Buy it same-day online or in store

PayJoy Card

Credit in less than 3 minutes.

No bank appointment. No credit check. Just a limit you can use on anything.

• No hidden costs, no late fees
• Apply in minutes with just your ID
• Use it everywhere, for everything

Millions of success stories, and counting

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

"With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life."

"Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you."

.png) "We always have it for emergencies and to solve problems. It has been a great support for our work, mainly."

"Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead."

.png) "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."

.png) "Everything I do on my own now. Thank you, PayJoy, for letting me connect."

Banks need your history. We just need your ID.

A new phone, in your hands today.

PayJoy Perspectives

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