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.

.png)

Monica shares her experience with PayJoy! South Africa - YouTube

Monica shares her experience with PayJoy! South Africa

“Everything I do on my own now. Thank you, PayJoy, for letting me connect.”

Monica Fumba

.png)

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

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

“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

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

¡Marcela comparte su experiencia con PayJoy! | Colombia 2025

“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

9 Countries, Millions of Stories.

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

Mery Espinoza

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

Financial Access in 9 Countries

.png)