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

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

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

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### 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.

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

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

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

**No channel conflict**  
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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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### Customer Testimonials

#### Linda Montes
PayJoy me dio la oportunidad de trabajar y seguir adelante. ¿PayJoy cree en mí? Claro que sí, de lo contrario no tendría tres teléfonos con ellos y una línea de crédito. Estoy realmente agradecido por la oportunidad de conseguir mis teléfonos, de tener el crédito y de poder cumplir este sueño.

#### Jorge Monroy
Con mi sueldo y PayJoy, todo es más fácil. Jamás imaginé todo esto. Te has convertido en algo tan bonito en mi vida.

#### Nicole Eve Aguilar
Gracias a PayJoy, pude acelerar mi negocio. No importa tu situación, PayJoy te acepta igual.

### Become a PayJoy Partner Today.

Fill out the form below and our regional commercial team will contact you to finalize your setup.

## Thank you!!

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