# OEM & Manufacturer Partnerships

Sell More Devices. We Handle the Credit Risk.

## Our Partners

Integrate Today

### 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

.svg)

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

## High approval rates

.svg)

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

## PayJoy takes the financial risk

.svg)

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

.webp)

# 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.

## 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

# The Mechanical Backbone

### 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

.svg)

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

## No debt-trap

.svg)

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

## Financially stable

.svg)

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

## No channel conflict

.svg)

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.

.png)

.png)

.png)

## Customer experience with PayJoy in Colombia | Linda Montes - YouTube

PayJoy18.9K subscribers

###

PayJoy me dio la oportunidad de seguir adelante. Tres teléfonos y una línea de crédito después, me siento realmente agradecido.

Linda Montes, Garment Maker

## Customer experience with PayJoy Mexico | Jorge Monroy - YouTube

PayJoy18.9K subscribers

###

Con mi sueldo y PayJoy, todo es más fácil. Nunca esperé que fuera así. Se han convertido en algo maravilloso en mi vida.

Jorge Monroy Lazaro, Security Guard

## How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube

PayJoy18.9K subscribers

###

Gracias a PayJoy, pude impulsar mi negocio. Sin importar tu situación, PayJoy te abre las puertas.

Nicole Eve Aguilar, Food Cart Entrepreneur

## Millions of success stories, and counting

### Customer testimonial México 2024 - YouTube

PayJoy18.9K subscribers

###

Siempre lo tenemos a mano para emergencias y para resolver problemas. Ha sido un gran apoyo para nuestro trabajo, principalmente.

Sandra Rodríguez Valgañón and Alfredo Muñoz

### ¿Quién es responsable si el cliente no paga?

.svg)

Te pagamos el monto total de la transacción por adelantado

# Become a PayJoy Partner Today.

Start Growing

---