# 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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## Monica shares her experience with PayJoy! South Africa - YouTube

[Monica shares her experience with PayJoy! South Africa](https://www.youtube.com/watch?v=jIoESK-La7g)

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

**Monica Fumba**

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## 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**

## ¡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**

## 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

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