# 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