20 Million Lives Transformed.

Discover how people around the world are using PayJoy to bridge the digital divide, build credit, and unlock new opportunities for their families and businesses.

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Customer Experiences

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

"PayJoy gave me the opportunity to keep moving forward. Three phones and a credit line later — I'm truly grateful."

Linda Montes, Garment Maker

Customer experience with PayJoy Mexico | Jorge Monroy - YouTube

“With my paycheck and PayJoy, everything's easier. I never expected all of this. You've become something so beautiful in my life.”

Jorge Monroy Lazaro, Security Guard

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

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

Nicole Eve Aguilar, Food Cart Entrepreneur

PayJoy Credit Line - Customer testimonial México 2024 - YouTube

“We always have it for emergencies and to solve problems. It has been a great support for our work, mainly.”

Sandra Rodríguez Valgañón and Alfredo Muñoz

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

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

Marcela Perdomo López, Founder of Arepitas Paisas

Our Impact

As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.

79%

Customers strongly agree PayJoy improved their financial well-being.

50%

Customers are new to credit

47%

Customers are women

31%

First-time smartphone users

Financial Access in 9 Countries