# **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](https://www.youtube.com/watch?v=0ZU3AGp9aDk) [PayJoy](https://www.youtube.com/channel/UCNw_MjBt1GXStD8zUcKEGWg)

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](https://www.youtube.com/watch?v=RotbIu5vsKQ) [PayJoy](https://www.youtube.com/channel/UCNw_MjBt1GXStD8zUcKEGWg)

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](https://www.youtube.com/watch?v=6vLQhubBN1U) [PayJoy](https://www.youtube.com/channel/UCNw_MjBt1GXStD8zUcKEGWg)

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](https://www.youtube.com/watch?v=l8eY-3UBR10) [PayJoy](https://www.youtube.com/channel/UCNw_MjBt1GXStD8zUcKEGWg)

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](https://www.youtube.com/watch?v=FLXj_T0atAo) [PayJoy](https://www.youtube.com/channel/UCNw_MjBt1GXStD8zUcKEGWg)

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.