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

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

Customer Stories

• 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." .png)

• 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." .png)

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

Banks need your history. We just need your ID.

Success Stories Compilation

Links to Customer Stories Videos

• Linda Montes:
  "PayJoy gave me the opportunity to keep moving forward."

• Jorge Monroy:
  "With my paycheck and PayJoy, everything's easier."

• Nicole & Aaron:
  "Because of PayJoy, I was able to speed up my business."

• Sandra and Alfredo:
  "We always have it for emergencies and to solve problems."

• Marcela's Experience:
  "Did PayJoy believe in me? Absolutely."