The phone you want. Payments that don't pile up.

Pay weekly or monthly over 4-9 months.

No bank account needed. No late fees.

Big brands. Small Payments.

Credit with PayJoy

From ID to approved in minutes.

Hindi mo kailangan ng credit history o bank account. 1 Valid ID lang ang kailangan.

9 out of 10 people get approved

Hindi kailangan ng credit history o bank account. Valid ID at phone number lang ang kailangan.

Fixed ang Bayad, Hindi Tumataas

Malinaw ang payment due. Kung ano ang napagkasunduan, iyon din ang babayaran bawat linggo o buwan. Walang hidden charges.

Walang late fees kailanman

Na-miss ang bayad? Magla-lock ang phone hanggang makabayad ka. Walang extra charges na idadagdag.

How it works

Your phone is your guarantee.

Kapag may na-miss na bayad, magla-lock ang phone. Kapag nakapagbayad na, maa-unlock ito agad. Wala ring late fees o penalties.

Easy reminders

Na-miss ang bayad? Magla-lock ang phone hanggang makapag-catch up sa payments. Walang extra charges na idadagdag.

Unlocks instantly

Magbayad lang at maa-unlock agad ang PayJoy phone. Walang codes, walang waiting time, at walang kailangang tawagan.

Always a lifeline

Available pa rin ang emergency calls at PayJoy support kahit naka-lock ang phone.

Common Questions

Everything You Need to Know.

Kung hindi makita ang sagot sa iyong tanong, handang tumulong ang aming Commercial Team.

How does financing work?

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It's a lease-to-own product. No sign-up fees, no annual fees, no late fees — no hidden charges of any kind.

Which phones can I get?

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Choose from Samsung, Xiaomi, Infinix, Realme, Honor, Vivo, Oppo. Available models vary by store and country.

What do I need to apply?

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A valid photo ID and an active phone number. That's it.

How much is the down payment?

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Between 25% and 30% of the phone's price, depending on the model.

How much will I pay in total?

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Your rate is calculated at the time of purchase. You'll see every cost clearly before you commit — no surprises.

How do I make payments?

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At any convenience store, or at the store where you bought your phone, or according to your country rules.

I qualify for a device. What are the next steps?

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Please visit one of our PayJoy kiosk or PayJoy partner stores to view the select range of devices available to you.

Milyon-milyong happy customers and counting.

Mula sa mga masisipag na manggagawa at mga pamilyang may malalaking pangarap, ito ang access na nagbibigay ng mas maraming oportunidad.

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

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Experiencia de cliente con PayJoy en Colombia | Linda Montes PayJoy

PayJoy18.9K subscribers

"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

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Customer experience with PayJoy Mexico | Jorge Monroy PayJoy

PayJoy18.9K subscribers

“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

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

PayJoy18.9K subscribers

“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

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PayJoy Credit Line - Customer testimonial México 2024 PayJoy

PayJoy18.9K subscribers

“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

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

PayJoy18.9K subscribers

“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

Find a PayJoy Partner Near You.

Bumisita sa alinman sa libu-libo naming partner stores para mag-apply at bumili ng phone.