# 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](https://www.youtube.com/watch?v=0ZU3AGp9aDk)

> 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](https://www.youtube.com/watch?v=RotbIu5vsKQ)

> 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!](https://www.youtube.com/watch?v=6vLQhubBN1U)

> 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](https://www.youtube.com/watch?v=XFyOyGkcWQ0)

> 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](https://www.youtube.com/watch?v=jIoESK-La7g)

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

\n## Become a PayJoy Partner Today.

Fill out the form below and our regional commercial team will contact you to finalize your setup.