Get a phone today

The phone you want. Payments that don't pile up.

Pay weekly or monthly over 4-9 months.

No bank account needed. No late fees.

Big brands. Small Payments.

Credit with PayJoy

From ID to approved in minutes.

Hindi mo kailangan ng credit history o bank account. 1 Valid ID lang ang kailangan.

9 out of 10 people get approved

Hindi kailangan ng credit history o bank account. Valid ID at phone number lang ang kailangan.

Fixed ang Bayad, Hindi Tumataas

Malinaw ang payment due. Kung ano ang napagkasunduan, iyon din ang babayaran bawat linggo o buwan. Walang hidden charges.

Walang late fees kailanman

Na-miss ang bayad? Magla-lock ang phone hanggang makabayad ka. Walang extra charges na idadagdag.

Your phone is your guarantee.

Kapag may na-miss na bayad, magla-lock ang phone. Kapag nakapagbayad na, maa-unlock ito agad. Wala ring late fees o penalties.

Easy reminders

Na-miss ang bayad? Magla-lock ang phone hanggang makapag-catch up sa payments. Walang extra charges na idadagdag.

Unlocks instantly

Magbayad lang at maa-unlock agad ang PayJoy phone. Walang codes, walang waiting time, at walang kailangang tawagan.

Always a lifeline

Available pa rin ang emergency calls at PayJoy support kahit naka-lock ang phone.

Everything You Need to Know.

Kung hindi makita ang sagot sa iyong tanong, handang tumulong ang aming Commercial Team.

How does financing work?

It's a lease-to-own product. No sign-up fees, no annual fees, no late fees — no hidden charges of any kind.

Which phones can I get?

Choose from Samsung, Xiaomi, Infinix, Realme, Honor, Vivo, Oppo. Available models vary by store and country.

What do I need to apply?

A valid photo ID and an active phone number. That's it.

How much is the down payment?

Between 25% and 30% of the phone's price, depending on the model.

How much will I pay in total?

Your rate is calculated at the time of purchase. You'll see every cost clearly before you commit — no surprises.

How do I make payments?

At any convenience store, or at the store where you bought your phone, or according to your country rules.

I qualify for a device. What are the next steps?

Please visit one of our PayJoy kiosk or PayJoy partner stores to view the select range of devices available to you.

Milyon-milyong happy customers and counting.

Mula sa mga masisipag na manggagawa at mga pamilyang may malalaking pangarap, ito ang access na nagbibigay ng mas maraming oportunidad.

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Find a PayJoy Partner Near You.

Bumisita sa alinman sa libu-libo naming partner stores para mag-apply at bumili ng phone.