# **Akses keuanganmu mulai dari sini**

PayJoy menyediakan akses smartphone dan program PayJoy untuk semua.

## **HP baru, langsung di tanganmu hari ini.**

Pembayaran yang menyesuaikan hidupmu, bukan sebaliknya. Dapatkan smartphone yang kamu butuhkan hari ini.

- Tanpa denda keterlambatan, pembayaran fleksibel
- Tanpa rekening bank atau skor kualifikasi
- Beli hari ini, online atau di toko

## **Jutaan kisah sukses, dan terus bertambah**

Dari pengusaha lokal hingga keluarga yang berkembang, inilah wujud nyata akses smartphone.

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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 Lazaro, 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."

## **Bank butuh riwayatmu. Kami cukup butuh KTP-mu.**

Akses Smartphone

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