# 20 Million Lives Transformed.

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.

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## Customer Experiences

### Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube

[Experiencia de cliente con PayJoy en Colombia | Linda Montes](https://www.youtube.com/watch?v=0ZU3AGp9aDk)

> "PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."
>
> Linda Montes, Garment Maker

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

[Customer experience with PayJoy Mexico | Jorge Monroy](https://www.youtube.com/watch?v=RotbIu5vsKQ)

> “With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”
>
> Jorge Monroy Lazaro, Security Guard

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

[How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines](https://www.youtube.com/watch?v=6vLQhubBN1U)

> “Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”
>
> Nicole Eve Aguilar, Food Cart Entrepreneur

### PayJoy Credit Line - Customer testimonial México 2024 - YouTube

[PayJoy Credit Line - Customer testimonial México 2024](https://www.youtube.com/watch?v=l8eY-3UBR10)

> “We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”
>
> Sandra Rodríguez Valgañón and Alfredo Muñoz

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### ¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube

[¡Marcela comparte su experiencia con PayJoy! | Colombia 2025](https://www.youtube.com/watch?v=FLXj_T0atAo)

> “Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”
>
> Marcela Perdomo López, Founder of Arepitas Paisas

## Our Impact

As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.

### 79%

**Customers strongly agree PayJoy improved their financial well-being.**

### 50%

**Customers are new to credit**

### 47%

**Customers are women**

### 31%

**First-time smartphone users**