# One ID. Two Lives Changed.

Nicole Eve Aguilar, Food Cart Entrepreneur

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

## Meet Nicole and Aaron

Nicole Eve Aguilar is 22 years old and runs her own food cart in the Philippines. Aaron Dela Cruz is 28, working as a call center agent at a BPO company in Quezon. Different jobs but the same wall they kept running into when they needed a phone and didn't have the paperwork the system usually demands.

## The Challenge

Nicole needed a reliable phone to manage her business. Advance orders were coming in, but without a device that could keep up, she was missing them. Aaron walked into a store with ₱6,000 in his pocket for a phone that cost ₱7,500 — short on cash, no payslips, no company ID. Other credit apps required all of it. For both of them, the traditional options were closed.

## A New Way to Pay

At a Farmers store, a sales associate pointed Aaron to a PayJoy sign posted outside. He applied with just his valid ID — and was approved on the spot. That same day, three other people in the store were in the same situation: newly employed, only a PhilHealth card to show. PayJoy approved them too.

Nicole's experience was just as simple. One valid ID, a quick photo, and done. No COE, no payslips, no long process.

For Aaron, PayJoy proved its value again months later when a typhoon hit Quezon and his area flooded. His payment was already under a judicial order — his phone was about to be blocked. He opened the PayJoy app and found an automatic three-day extension on his due date. In the middle of a crisis, it was exactly what he needed.

## Measuring the Growth

Nicole can now take advance orders in real time. Her business moves faster because her phone can keep up. Aaron has a device he relies on for work — and a credit experience that didn't make him feel like a risk just for not having the right documents.

They're both building something. And PayJoy helped make sure the process didn't get in the way.

"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

"No hassle, no COE, just one valid ID. When you have a concern, they respond right away to your specific question." — Aaron Dela Cruz, BPO Call Center Agent, Quezon

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