OEM & Manufacturer Partnerships

Sell More Devices. We Handle the Credit Risk.

Our Partners

Integrate Today

We take the risk, you take the sale

Reach new buyers

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We serve consumers with no credit history, no bank account, and no access to traditional financing.

High approval rates

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9 out of 10 applicants are approved, so more browsers become buyers.

Payjoy takes the risk

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We take on the risk and you get the sale.

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Increase Customer Lifetime Value

Many PayJoy customers return to purchase their next device. OEM partners benefit from higher repeat purchase rates and stronger brand loyalty.

Premium Mix Shift

5G Network Scale

Inventory Velocity

Proven Outcomes

33%

are getting their first-ever credit. New consumers opting for mid-range devices, improving OEM's margins and CLV

20M

Consumers served: proven business model with sustainable, consumer-friendly offers

+33k

Points of Sale in 9 countries

The Mechanical Backbone

A Trusted partner for Device sales.

PayJoy supports OEM partners with a phone rental model that drives device sales while maintaining strong relationships across the retail ecosystem

Fast settlements

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Retailers are paid in days, not weeks. That confidence drives higher purchase orders.

No debt-trap

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No accrued interest, no late fees, no debt spiral. Our model is built to last.

Financially stable

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We're profitable and growing. Your partnership isn't going anywhere.

No channel conflict

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Works alongside any other financing offer. Consumers choose. You don't lose.

Millions of success stories, and counting

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

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Who is responsible if the customer doesn't pay?

"We cover the risk, you make the sale" if the customer doesn't pay. We cover the full transaction amount upfront as per our agreement with you.

Become a PayJoy Partner Today.

Start Growing

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