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

**High approval rates**  
9 out of 10 applicants are approved, so more browsers become buyers.

**PayJoy takes the financial risk**  
We own the credit relationship. Default risk stays with us, not you.

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## Phone Financing

### 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.

**Proven Outcomes**  
### 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**  
Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

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

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

**No channel conflict**  
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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## Who is responsible if the customer doesn't pay?

We pay you the full transaction amount upfront, typically within 24 hours.

### Become a PayJoy Partner Today.  
Fill out the form below and our regional commercial team will contact you to finalize your setup.

**Thank you!!**  
Your submission has been received!