# The phone you want. Fixed payments that don't pile up.

Pay weekly or monthly over 3–12 months.

No bank account needed. No late fees.

Your phone, your way

### Two ways to get your phone.

Buy in store or online and pick up near you. Just your ID and a phone number.

## 1

**Shop Online**

Buy from your phone in minutes and get it delivered to your home, or apply for financing online and complete your purchase at your nearest store.

## 2

**Go to a store**

Bring your ID and phone number. Get approved in minutes and leave with your phone the same day.

## Big brands. Small Payments.

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### From ID to approved in minutes.

You don't need a credit history. You don't need a bank account. Just your ID and a few minutes.

**9 out of 10 people get approved**

No credit history, no bank account needed. Just your ID and a phone number.

**Fixed payments that never go up**

Agree to it on day one, and that’s what you pay every week. No surprises.

**No late fees, ever**

Miss a payment? Your phone locks until you catch up. No extra charges added.

## Your phone is your guarantee.

Instead of a credit check, your phone is the collateral. Pay weekly, stay unlocked. No hidden fees, no debt that grows.

**Easy reminders**

With a single payment, your phone is unlocked instantly. Payments don't accumulate; it's always just one payment.

**Unlocks instantly**

Make your payment and your phone unlocks right away. No codes, no waiting, no calls to make.

**Always a lifeline**

Emergency calls and PayJoy support are always available, even if your phone is locked.

## Common Questions

### Everything You Need to Know.

We believe in radical transparency. If your question isn't answered here, our commercial team is ready to help.

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 HONOR, VIvo, Oppo, realme, motorola, xiaomi, Samsung, Tecno, Infinix, itel. 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.

**Millions of success stories, and counting**

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