Your financial access starts here

PayJoy offers affordable smartphone rental for all

Opportunity starts here

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Customer Stories

Monica Fumba

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

Nicole Eve Aguilar, Food Cart Entrepreneur

“Because of PayJoy, I was able to speed up my business. No matter what situation you're in — PayJoy still accepts you.”

Marcela Perdomo López, Founder of Arepitas Paisas

“Did PayJoy believe in me? Absolutely. There are companies like PayJoy that believe in us so we can get ahead.”

Mery Espinoza

“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.”

Others need your bank history, we just need your ID

A new phone, in your hands today.

Smartphone ownership made simple. Get the smartphone you need today.

• No late fees, flexible payment options
• No bank account or credit history required
• Get it same day

Millions of success stories, and counting

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

Leading range of Android brands

PayJoy Perspectives

The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico

As the 2026 FIFA World Cup approaches, many people across Mexico are preparing not just to watch the tournament, but to participate in the economic opportunity surrounding it.

From Innovation to Impact: PayJoy's Financial Evolution

Discover how PayJoy has achieved remarkable growth by focusing on mission-driven strategies and innovative financial products. In this episode, Brad shares insights into PayJoy's strategic market entry, the development of the PayJoy card, cutting-edge fraud prevention techniques and future expansion into Indonesia and India.

Gig Workers and the Hidden Infrastructure of Credit Access

Across emerging markets, millions survive by patching together income from multiple, irregular jobs.