OEM & Manufacturer Partnerships

Sell More Devices. We Handle the Credit Risk.

Our Partners

We take the credit risk. You take the sale.

PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.

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 financial risk

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We own the credit relationship. Default risk stays with us, not you.

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Phone Financing

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

Real results across emerging markets.

Our model lowers the barrier to entry—boosting sales and upgrading the product mix across entire regions.

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 Financing Partner for Device Sales

PayJoy supports OEM partners with a sustainable financing 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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Testimonial from Linda Montes, Garment Maker

Link: Experiencia de cliente con PayJoy en Colombia

PayJoy me dio la oportunidad de seguir adelante. Tres teléfonos y una línea de crédito después, me siento realmente agradecido.

Testimonial from Jorge Monroy, Security Guard

Link: Customer experience with PayJoy Mexico

Con mi sueldo y PayJoy, todo es más fácil. Nunca esperé que fuera así. Se han convertido en algo maravilloso en mi vida.

Testimonial from Nicole Eve Aguilar, Food Cart Entrepreneur

Link: How PayJoy helped Nicole & Aaron achieve their smartphone dreams!

Gracias a PayJoy, pude impulsar mi negocio. Sin importar tu situación, PayJoy te abre las puertas.

Testimonial from Mery Espinoza

Link: Testimonial de cliente en Ecuador

Si pudiera volver atrás y encontrarme con mi yo del pasado, le diría: vas por el camino correcto y hay quienes creerán en ti, como PayJoy.

Testimonial from Monica Fumba

Link: Monica shares her experience with PayJoy! South Africa

Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme conectar.

\n## Become a PayJoy Partner Today.

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