# OEM & Manufacturer Partnerships

## Sell More Devices. We Handle the Credit Risk.

### Our Partners

### We take the credit risk. You take the sale.

PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.

### Reach new buyers

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We serve consumers with no credit history, no bank account, and no access to traditional financing.

### High approval rates

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9 out of 10 applicants are approved, so more browsers become buyers.

### PayJoy takes the financial risk

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We own the credit relationship. Default risk stays with us, not you.

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## Increase Customer Lifetime Value

Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.

### Premium Mix Shift

### 5G Network Scale

### Inventory Velocity

Proven Outcomes

## Real results across emerging markets.

Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.

### 33%

are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV.

### 20M

Consumers served: proven business model with sustainable, consumer-friendly offers.

### +33k

Points of Sale in 9 countries.

## A Trusted Financing Partner for Device Sales

PayJoy supports OEM partners with a sustainable financing model that drives device sales while maintaining strong relationships across the retail ecosystem.

### Fast settlements

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Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

### No debt-trap

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No accrued interest, no late fees, no debt spiral. Our model is built to last.

### Financially stable

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We're profitable and growing. Your partnership isn't going anywhere.

### No channel conflict

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Works alongside any other financing offer. Consumers choose. You don't lose.

## Millions of success stories, and counting

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

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### Customer Testimonial Videos

**Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube**  
[Watch here](https://www.youtube.com/watch?v=0ZU3AGp9aDk)  
“PayJoy me dio la oportunidad de seguir adelante. Tres teléfonos y una línea de crédito después — estoy realmente agradecida.”  
Linda Montes, Confeccionista

**Customer experience with PayJoy Mexico | Jorge Monroy - YouTube**  
[Watch here](https://www.youtube.com/watch?v=RotbIu5vsKQ)  
“Con mi sueldo y PayJoy, todo es más fácil. Jamás imaginé todo esto. Te has convertido en algo tan bonito en mi vida.”  
Jorge Monroy Lazaro, Guardia de Seguridad

**How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube**  
[Watch here](https://www.youtube.com/watch?v=6vLQhubBN1U)  
“Gracias a PayJoy, pude acelerar mi negocio. No importa tu situación, PayJoy te acepta igual.”  
Nicole Eve Aguilar, Emprendedora de Carritos de Comida

**PayJoy Credit Line - Customer testimonial México 2024 - YouTube**  
[Watch here](https://www.youtube.com/watch?v=l8eY-3UBR10)  
"Siempre lo tenemos para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente."  
Sandra Rodríguez Valgañón y Alfredo Muñoz

**¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube**  
[Watch here](https://www.youtube.com/watch?v=FLXj_T0atAo)  
“¿PayJoy creyó en mí? Claro que sí. Hay empresas como PayJoy que creen en nosotros para salir adelante.”  
Marcela Perdomo López, Fundadora de Arepitas Paisas

**Testimonial de cliente en Ecuador | Mery - YouTube**  
[Watch here](https://www.youtube.com/watch?v=XFyOyGkcWQ0)  
“Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: estás en el camino correcto, y hay quienes creerán en ti, como PayJoy.”  
Mery Espinoza

**Monica shares her experience with PayJoy! South Africa - YouTube**  
[Watch here](https://www.youtube.com/watch?v=jIoESK-La7g)  
“Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme conectar.”  
Monica Fumba

### Payment Responsibility

The customer is responsible for paying their installment. The phone is locked until the customer is up to date. PayJoy manages collections.

## Become a PayJoy Partner Today.

Fill out the form below and our regional commercial team will contact you to finalize your setup.