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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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.

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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Experiencia de cliente con PayJoy en Colombia | Linda Montes - YouTube
Experiencia de cliente con PayJoy en Colombia | Linda Montes

PayJoy 18.9K subscribers

"PayJoy me dio la oportunidad de trabajar y seguir adelante. ¿PayJoy cree en mí? Claro que sí, de lo contrario no tendría tres teléfonos con ellos y una línea de crédito. Estoy realmente agradecido por la oportunidad de conseguir mis teléfonos, de tener el crédito y de poder cumplir este sueño."
Linda Montes, Confeccionista

Customer experience with PayJoy Mexico | Jorge Monroy - YouTube
Customer experience with PayJoy Mexico | Jorge Monroy

PayJoy 18.9K subscribers

"Con mi sueldo y PayJoy, todo es más fácil. Jamás imaginé todo esto. Te has convertido en algo tan bonito en mi vida."
Jorge Monroy Lazaro, Guardia de Seguridad

How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines - YouTube
How PayJoy helped Nicole & Aaron achieve their smartphone dreams! | Philippines

PayJoy 18.9K subscribers

"Gracias a PayJoy, pude acelerar mi negocio. No importa tu situación, PayJoy te acepta igual."
Nicole Eve Aguilar, Emprendedora de carritos de comida

PayJoy Credit Line - Customer testimonial México 2024 - YouTube
PayJoy Credit Line - Customer testimonial México 2024

PayJoy 18.9K subscribers

“Siempre la tenemos para emergencias y resolver imprevistos. Principalmente ha sido un gran apoyo para nuestro trabajo.”
Sandra Rodríguez Valgañón y Alfredo Muñoz

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¡Marcela comparte su experiencia con PayJoy! | Colombia 2025 - YouTube
¡Marcela comparte su experiencia con PayJoy! | Colombia 2025

PayJoy 18.9K subscribers

“¿PayJoy creyó en mí? Absolutamente. Quiero invitar a todos a emprender su propio negocio, porque hay empresas como PayJoy que nos ayudan, nos apoyan y creen en nosotros para que podamos salir adelante. Habrá días buenos y días malos — pero con la voluntad de Dios, todo es posible.”
Marcela Perdomo López, Fundadora de Arepitas Paisas

Testimonial de cliente en Ecuador | Mery - YouTube
Testimonial de cliente en Ecuador | Mery

PayJoy 18.9K subscribers

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

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

PayJoy 18.9K subscribers

"Ahora hago todo por mi cuenta. Gracias, PayJoy, por permitirme estar conectada."
Monica Fumba

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Who is responsible if the customer doesn't pay?

Te pagamos el monto total de la transacción por adelantado, generalmente dentro de las siguientes 24 horas.

Become a PayJoy Partner Today.

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