Nuestro compromiso -Panama

The PayJoy Standard

Our Commitment to Customers.

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PayJoy Customer Charter

We aspire to offer our customers a transparent, fair, and delightful experience

Transparent Pricing

See clear and transparent pricing and fees before agreeing to a contract. For instance, we never add fees or charges other than what you sign up for at point of purchase.

Lock Awareness

Know how and when the lock will be engaged and how and when your payment will unlock the device.

Direct and Easy Communication

Communicate with PayJoy 100% via digital means (without being required to exchange paper except where required by law).

Efficient Response

Directly raise concerns with PayJoy and expect to receive a response to your concern.

Emergency Services

You can use emergency services and customer service on a PayJoy locked phone regardless of lock state.

Respect and Dignity

You won’t be subject to threats or intimidation during the collection process and we won’t use your contacts or social networks to intimidate you. And all repercussions of non-payment will be clearly stated upfront (e.g., impact on credit).

Privacy

Consent and be made aware of what data and device control PayJoy has, and why. Rely on PayJoy to hold their confidential data securely.

Device Returns

Return a working device in good faith and have your loan obligation closed on return, with no negative credit impact.

Millions of success stories, and counting

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

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Customer Experiences with PayJoy

Linda Montes: Garment Maker, Colombia

Linda shares her journey with PayJoy

PayJoy gave me the opportunity to move forward. After three phones and a credit line, I truly feel grateful.

Jorge Monroy: Security Guard, Mexico

Jorge shares his journey with PayJoy

With my salary and PayJoy, everything is easier. I never expected it to be this way. They have become something wonderful in my life.

Nicole & Aaron: Entrepreneurs, Philippines

They share their journey with PayJoy

Thanks to PayJoy, I was able to boost my business. No matter your situation, PayJoy opens doors for you.

Sandra Rodríguez Valgañón and Alfredo Muñoz

They share their journey with PayJoy

We always have them at hand for emergencies and to solve problems. They have been a great support for our work.

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Marcela Perdomo López: Founder of Arepitas Paisas, Colombia

Marcela shares her journey with PayJoy

Did PayJoy believe in me? Absolutely. There are companies like PayJoy that trust us so we can move forward.

Mery Espinoza

She shares her journey with PayJoy

If I could go back and meet my past self, I would say: you are on the right path, and there are those who will believe in you, like PayJoy.

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Monica Fumba

She shares her journey with PayJoy

Now I do everything on my own. Thanks, PayJoy, for allowing me to connect.

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Ready to Write Your Own Success Story?

Select the product that fits your needs today and start building the credit you deserve for tomorrow.

Credit for Everything

Apply for PayJoy Card

Get your Phone Today

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